---
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"
generated_at: "2026-05-15T08:22:04.000654+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Presurance Holdings Q4 net loss $17.0M; combined ratio 333.5% on legacy run-off

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1502292/000119312526131827/0001193125-26-131827-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/prhi-20260327.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-131827
- JSON: https://secwatch.observer/filing/0001193125-26-131827.json
- Plain text: https://secwatch.observer/filing/0001193125-26-131827.txt

## Key facts
- Earnings Releases
  Presurance Holdings, Inc. reported financial results for the year ended December 31, 2025.
  - Period: the year ended December 31, 2025
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/0001193125-26-131827-index.htm
- Earnings Releases
  Presurance Holdings, Inc. reported financial results for the fourth quarter ended December 31, 2025.
  - Period: the fourth quarter ended December 31, 2025
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1502292/000119312526131827/0001193125-26-131827-index.htm

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