---
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"
generated_at: "2026-05-16T19:13:33.919767+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Presurance Holdings reports Q3 net loss of $0.32/share; personal lines combined ratio improves to 95.2%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-284817
- JSON: https://secwatch.observer/filing/0001193125-25-284817.json
- Plain text: https://secwatch.observer/filing/0001193125-25-284817.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.