{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-24-001228","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.209921+00:00","generated_at":"2026-05-30T03:38:12.132693+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NI Holdings reports Q3 net loss of $2.7M; combined ratio worsens to 111%","bullets":["Net loss from continuing ops of $2.7M vs income of $0.7M; basic loss per share $(0.13).","Combined ratio of 111.0% (up 10.2 pts) due to higher weather losses and CEO transition costs.","Direct written premiums $67.7M, flat YoY; Non-Standard Auto down 35.8%, Home and Farm up 11.6%.","Net investment income rose 32.5% to $2.8M on higher fixed income reinvestment rates.","Company sold Westminster American in Q2, refocusing on core business to return to profitability."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-24-001228","json":"https://secwatch.observer/filing/0001174947-24-001228.json","markdown":"https://secwatch.observer/filing/0001174947-24-001228.md","text":"https://secwatch.observer/filing/0001174947-24-001228.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494724001228/0001174947-24-001228-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494724001228/form8k-33086_nodk.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:38:12.132693+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"}