{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-284817","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2025-11-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.573888+00:00","generated_at":"2026-05-16T19:13:33.919767+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Presurance Holdings reports Q3 net loss of $0.32/share; personal lines combined ratio improves to 95.2%","bullets":["Net loss allocable to common shareholders of $3.97M ($0.32 diluted EPS) vs income of $52.8M ($4.32) year ago.","Gross written premiums slipped 2.9% to $14.6M; net earned premiums down 53.3% to $6.8M as commercial lines runoff continues.","Combined ratio improved to 141.2% from 143.1%; personal lines achieved underwriting profit with 95.2% combined ratio (vs 100.7%).","Adjusted operating loss narrowed to $2.7M ($0.22/share) from $6.9M ($0.56) loss a year ago.","Book value per common share fell to $2.07 from $4.01 one year ago, reflecting cumulative losses."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-284817","json":"https://secwatch.observer/filing/0001193125-25-284817.json","markdown":"https://secwatch.observer/filing/0001193125-25-284817.md","text":"https://secwatch.observer/filing/0001193125-25-284817.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000119312525284817/0001193125-25-284817-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000119312525284817/prhi-20251112.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T19:13:33.919767+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"}