{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-350625","form_type":"8-K","ticker":"PRHI","cik":"0001502292","company_name":"Presurance Holdings, Inc.","filed_at":"2026-08-14T12:47:21+00:00","discovered_at":"2026-08-14T12:50:01.288989+00:00","generated_at":"2026-08-14T12:50:22.721326+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Presurance Q2 net income $2.5M, combined ratio 69.5% vs 121.1% YoY","bullets":["Q2 2026 net income $2.5M ($0.68/share) vs $2.1M ($1.17) prior year; H1 net income $5.2M ($1.66) vs $2.6M ($1.47).","Combined ratio improved to 69.5% in Q2 (from 121.1%) and 86.4% for H1 (from 131.2%); loss ratio 24.6% on favorable prior-year development.","Gross written premiums fell 38% to $13.1M as company exits commercial lines; personal lines now 100% of premiums.","Adjusted operating income $1.3M in Q2 vs loss of $2.1M; book value $7.41/share.","Weighted average shares rose to 3.1M from 1.75M, reflecting capital raise."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-350625","json":"https://secwatch.observer/filing/0001193125-26-350625.json","markdown":"https://secwatch.observer/filing/0001193125-26-350625.md","text":"https://secwatch.observer/filing/0001193125-26-350625.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526350625/0001193125-26-350625-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1502292/000119312526350625/prhi-20260812.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-14T12:50:22.721326+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"}