{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-071337","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2025-05-14T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.508606+00:00","generated_at":"2026-05-21T08:28:47.737649+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Conifer posts Q1 net income of $0.04/share but adjusted operating loss of $0.30; combined ratio spikes to 140.5%","bullets":["Net income allocable to common shareholders $522k ($0.04/diluted share) vs $74k ($0.01) a year ago.","Adjusted operating loss of $3.7M ($0.30/share) vs operating income of $1.3M ($0.11) in Q1 2024.","Gross written premiums fell 33.5% to $16.2M due to Commercial Lines shrinkage after agency sale.","Combined ratio for Q1 2025 was 140.5% (loss ratio 89.7%, expense ratio 50.8%), up from 96.7% a year ago.","Personal lines production up 22%; book value per share $2.09."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-071337","json":"https://secwatch.observer/filing/0000950170-25-071337.json","markdown":"https://secwatch.observer/filing/0000950170-25-071337.md","text":"https://secwatch.observer/filing/0000950170-25-071337.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000095017025071337/0000950170-25-071337-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000095017025071337/cnfr-20250514.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-21T08:28:47.737649+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"}