{"schema_version":"secwatch.filing_event.v1","accession":"0001174947-25-001143","form_type":"8-K","ticker":"NODK","cik":"0001681206","company_name":"NI Holdings, Inc.","filed_at":"2025-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.626002+00:00","generated_at":"2026-05-17T16:40:07.430541+00:00","sec_items":[],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NI Holdings Q2 net loss $12.1M; combined ratio 125.1% on catastrophic storm losses","bullets":["Direct written premiums fell 7.6% to $109.5M; Non-Standard Auto down 56.4% per strategic pullback.","Combined ratio worsened to 125.1% from 113.7%; $20M pre-tax catastrophe losses from ND storm.","Net loss from continuing ops $12.1M ($0.57 basic loss per share) vs $7.5M loss a year ago.","Net investment income rose 40.8% to $2.7M on higher reinvestment rates and realized gains.","Home and Farm premiums up 8.1% on rate increases and new business in North Dakota."],"urls":{"canonical":"https://secwatch.observer/filing/0001174947-25-001143","json":"https://secwatch.observer/filing/0001174947-25-001143.json","markdown":"https://secwatch.observer/filing/0001174947-25-001143.md","text":"https://secwatch.observer/filing/0001174947-25-001143.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725001143/0001174947-25-001143-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1681206/000117494725001143/ex99-1.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T16:40:07.430541+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"}