{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-131827","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2026-03-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.245475+00:00","generated_at":"2026-05-15T08:22:04.000654+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 Q4 net loss $17.0M; combined ratio 333.5% on legacy run-off","bullets":["Net loss allocable to common shareholders of $17.0M ($1.39/diluted share) vs loss of $25.4M a year ago.","Gross written premiums fell 41.9% YoY to $7.9M; personal lines comprised 100% of Q4 premium.","Combined ratio worsened to 333.5% from 292.9%, driven by 178.7-point adverse prior-year development from commercial lines run-off.","Book value per share dropped to $0.73 from $1.76; adjusted operating loss per share $1.24.","CEO cites 'lingering effects of legacy commercial lines run-off' as primary factor; company focusing on personal lines homeowners business."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-131827","json":"https://secwatch.observer/filing/0001193125-26-131827.json","markdown":"https://secwatch.observer/filing/0001193125-26-131827.md","text":"https://secwatch.observer/filing/0001193125-26-131827.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/0001193125-26-131827-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/prhi-20260327.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T08:22:04.000654+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":[{"claim_id":"215ac079d60b1cc2731ecc473144576323279464","claim":"Presurance Holdings, Inc. reported financial results for the year ended December 31, 2025.","evidence_excerpt":"On March 27, 2026, Presurance Holdings, Inc. (the \"Company\") publicly announced results for the fourth quarter of 2025. A copy of the Company's news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/0001193125-26-131827-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2025"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"bcc84d9a0cef929071e21813b3ca94c0cc5acc0a","claim":"Presurance Holdings, Inc. reported financial results for the fourth quarter ended December 31, 2025.","evidence_excerpt":"On March 27, 2026, Presurance Holdings, Inc. (the \"Company\") publicly announced results for the fourth quarter of 2025. A copy of the Company's news release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/0001193125-26-131827-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2025"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}