{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-047809","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2025-03-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.814347+00:00","generated_at":"2026-05-24T01:42:58.008745+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Conifer Q4 net loss $25.4M; personal lines premiums up 10.6%","bullets":["Q4 2024 net loss allocable to common shareholders of $25.4M ($2.08 diluted loss per share) vs $19.5M loss a year ago.","Full year 2024 net income allocable to common shareholders of $23.5M ($1.93 per share) aided by $61M gain on agency sale.","Personal lines gross written premiums rose 10.6% to $10.6M in Q4; commercial lines gross written premiums fell 79%.","Total combined ratio deteriorated to 292.9% in Q4 from 231.7% a year ago, reflecting commercial reserve strengthening.","Book value per share improved to $1.76 at Dec 31, 2024, up from $0.24 a year earlier."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-047809","json":"https://secwatch.observer/filing/0000950170-25-047809.json","markdown":"https://secwatch.observer/filing/0000950170-25-047809.md","text":"https://secwatch.observer/filing/0000950170-25-047809.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000095017025047809/0000950170-25-047809-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000095017025047809/cnfr-20250328.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T01:42:58.008745+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}