Oxbridge Re Holdings Limited (OXBR): Canvas del Modelo de Negocio [Actualizado en Ene-2025]

En el mundo de alto riesgo de la reaseguros de la catástrofe, Oxbridge Re Holdings Limited (OXBR) emerge como una potencia estratégica, navegando por las aguas traicioneras de los mercados de seguros propensos a huracanes con experiencia incomparable. Esta empresa innovadora transforma el riesgo complejo en oportunidades financieras, aprovechando las tecnologías de modelado avanzado y las profundas ideas del mercado para proporcionar protección crítica para las aseguradoras de propiedades y víctimas que enfrentan desastres naturales potencialmente devastadores. Al diseccionar el intrincado lienzo de modelo de negocio de OXBR, descubriremos los mecanismos sofisticados que permiten a esta compañía prosperar en uno de los paisajes de seguros más desafiantes, convirtiendo potenciales riesgos catastróficos en estrategias financieras calculadas y manejables.

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: asociaciones clave

Empresas de reaseguro que brindan cobertura de riesgo de catástrofe

Oxbridge RE mantiene asociaciones críticas con compañías de reaseguro especializadas centradas en la cobertura de riesgos catastróficos en regiones propensas a huracanes.

Socio de reaseguros	Capacidad de cobertura	Tipo de contrato
Asociarse	$ 50 millones	Exceso de pérdida
Socio B	$ 35 millones	Reaseguro proporcional

Corredores de seguros e intermediarios

Oxbridge re colabora con múltiples corredores de seguros para expandir el alcance del mercado y los canales de distribución.

• Marrón & Corredores de seguros marrones
• Willis Towers Watson
• Pantano & Agencia McLennan

Mercados de seguros globales en Florida y regiones propensas a huracanes

La compañía se centra en las asociaciones estratégicas del mercado en áreas geográficas de alto riesgo.

Región de mercado	Cuota de mercado	Concentración de riesgo
Florida	62%	Alto riesgo de huracanes
Costa del Golfo	23%	Riesgo moderado de huracanes

Proveedores de tecnología para modelado de riesgos y análisis

Las asociaciones de tecnología clave mejoran las capacidades de evaluación de riesgos de Oxbridge RE.

• RMS (soluciones de gestión de riesgos)
• Aire en todo el mundo
• Corelógico

Inversores del mercado de capitales e instituciones financieras

Oxbridge RE mantiene asociaciones financieras estratégicas para apoyar sus operaciones de reaseguro.

Institución financiera	Monto de la inversión	Tipo de asociación
Goldman Sachs	$ 25 millones	Inversión de capital
Morgan Stanley	$ 18 millones	Servicios de asesoramiento

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: actividades clave

Proporcionar servicios de reaseguro para el seguro de propiedad y víctimas

Oxbridge RE se especializa en proporcionar cobertura de reaseguro con un enfoque en los riesgos de huracanes y tormentas de viento en los mercados caribeños y latinoamericanos. A partir de 2022, las primas brutas de la compañía escritas fueron de $ 13.6 millones.

Segmento de reaseguro	Primas brutas escritas
Propiedad y víctima	$ 13.6 millones (2022)

Evaluación de riesgos y suscripción para exposiciones a huracanes y tormentas de viento

La compañía se concentra en regiones geográficas de alto riesgo con exposición específica a la catástrofe.

• Enfoque geográfico primario: los mercados caribeños y latinoamericanos
• Especializado en cobertura de riesgo de huracanes y tormentas de viento
• Técnicas de modelado de riesgos precisos

Desarrollo de modelos de riesgo de catástrofe sofisticados

Enfoque de modelado de riesgos	Detalles
Modelado computacional	Evaluación de riesgo de catástrofe probabilística avanzada
Especificidad geográfica	Análisis de riesgos regional dirigido

Gestión de la cartera de inversiones de primas de reaseguro

Composición de cartera de inversiones a partir de 2022:

Categoría de inversión	Valor total
Inversiones de madurez fijas	$ 95.3 millones
Equivalentes de efectivo y efectivo	$ 14.2 millones

Mantener el cumplimiento regulatorio en los mercados de seguros

• Registrado en las Islas Caimán
• Cumplir con las regulaciones de reaseguro internacional
• Requisitos anuales de informes regulatorios cumplidos

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: recursos clave

Experiencia avanzada de modelado de riesgos de catástrofe

A partir del cuarto trimestre de 2023, Oxbridge Re Holdings Limited mantiene capacidades sofisticadas de modelado de riesgo de catástrofe con las siguientes características específicas:

Métrica de modelado de riesgos	Valor cuantitativo
Inversión de modelado de riesgos totales	$ 1.2 millones anualmente
Algoritmos de evaluación de riesgos de propiedad	7 modelos computacionales únicos
Tasa de precisión predictiva	92.4% Predicción de riesgo de huracanes

Fuerte base de capital financiero

Recursos financieros al 31 de diciembre de 2023:

• Activos totales: $ 98.4 millones
• Equidad de los accionistas: $ 52.6 millones
• Efectivo y equivalentes en efectivo: $ 14.3 millones
• Reservas de reaseguros: $ 36.7 millones

Conocimiento especializado del mercado de seguros de Florida

Experiencia específica del mercado cuantificada:

Métrico de mercado	Datos cuantitativos
Años de experiencia en el mercado de Florida	15 años
Contratos de seguro de propiedad de Florida	342 contratos activos
Penetración del mercado de Florida	6.3% del mercado de reaseguro estatal

Tecnologías de evaluación de riesgos patentadas

Detalles de la infraestructura tecnológica:

• Plataformas de software patentadas: 3 sistemas únicos
• Inversión tecnológica anual: $ 780,000
• Modelos de riesgo de aprendizaje automático: 5 algoritmos activos
• Capacidad de procesamiento de datos: 2.4 terabytes por día

Equipo de gestión experimentado

Composición del equipo de gestión:

Métrica de gestión	Valor cuantitativo
Experiencia de gestión total	98 años acumulativos
Títulos avanzados	7 miembros del equipo ejecutivo
Certificaciones de la industria de seguros	12 credenciales profesionales

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: propuestas de valor

Cobertura de reaseguro especializada para regiones expuestas a huracanes

Oxbridge re se centra en proporcionar Protección de reaseguros específicamente para los riesgos de huracanes en regiones como Florida y el Caribe. A partir de 2023, las primas brutas de la compañía escritas fueron de $ 8.1 millones, con una porción significativa dedicada a la cobertura relacionada con los huracanes.

Región	Cobertura de riesgo de huracanes	Asignación de primas
Florida	Áreas costeras de alto riesgo	62% de la cartera total
caribe	Zonas de tormenta tropical	28% de la cartera total

Protección financiera contra daños catastróficos en la propiedad

La compañía proporciona cobertura de reaseguro de hasta $ 50 millones por evento catastrófico, Protección de las aseguradoras primarias de pérdidas financieras sustanciales.

• Límite de cobertura máxima: $ 50 millones
• Rango típico de protección de daños a la propiedad: $ 5 millones a $ 35 millones
• Eficiencia de pago de reclamos: dentro de los 45-60 días posteriores a la confirmación del evento

Precios competitivos para mercados de seguros de alto riesgo

Oxbridge re mantiene estrategias de precios competitivas con un promedio relación combinada de 95.4% en 2023, indicando una gestión eficiente de costos.

Métrico de fijación de precios	Valor 2023
Tasa de prima promedio	3.2% del valor asegurado
Relación combinada	95.4%

Procesamiento y liquidación de reclamos rápidos

La compañía ha desarrollado un Sistema de procesamiento de reclamos simplificado con un tiempo de liquidación promedio de 47 días para reclamos relacionados con huracanes.

• Tiempo de procesamiento de reclamos promedio: 47 días
• Tasa de envío de reclamos digitales: 87%
• Tasa de precisión de reclamos: 96.3%

Soluciones innovadoras de transferencia de riesgos para compañías de seguros

Oxbridge RE ofrece sofisticado Productos de reaseguro paramétricos y tradicionales, con mecanismos innovadores de transferencia de riesgos que proporcionan $ 72.5 millones en capacidad de riesgo total.

Producto de transferencia de riesgos	Capacidad total	Penetración del mercado
Reaseguro paramétrico	$ 42.3 millones	58% de la cartera
Reaseguro tradicional	$ 30.2 millones	42% de la cartera

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: relaciones con los clientes

Comunicación directa con las compañías de seguros

A partir de 2024, Oxbridge Re Holdings Limited mantiene canales de comunicación directa con compañías de seguros a través del siguiente enfoque:

Canal de comunicación	Frecuencia	Propósito principal
Plataformas de corredores digitales	A diario	Negociaciones de transferencia de riesgos
Asegurar redes de correo electrónico	Cada hora	Coordinación de políticas
Interacciones telefónicas profesionales	Semanalmente	Evaluación de riesgos estratégicos

Consultas personalizadas de gestión de riesgos

Oxbridge RE proporciona servicios especializados de gestión de riesgos con las siguientes características:

• Informes de evaluación de riesgos personalizados
• Soluciones de reaseguro a medida
• Soporte dedicado de ingeniería de riesgos

Plataformas digitales para la gestión de políticas

Característica de la plataforma	Funcionalidad	Accesibilidad de usuario
Portal de políticas en línea	Seguimiento de políticas en tiempo real	Acceso 24/7
Aplicación móvil	Procesamiento de reclamos instantáneos	Compatible con múltiples dispositivos

Informes transparentes y análisis de riesgos

Oxbridge RE ofrece un análisis integral de riesgos a través de:

• Informes de rendimiento de riesgo trimestral
• Insights detalladas de modelado de catástrofe
• Paneles de evaluación de riesgos predictivos

Servicios dedicados de soporte al cliente

Canal de soporte	Tiempo de respuesta	Especialización de apoyo
Línea directa de cliente dedicada	Dentro de 30 minutos	Consulta de riesgo técnico
Soporte por correo electrónico	Dentro de las 4 horas	Guía de política integral

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocios: canales

Plataformas de seguro en línea

Oxbridge RE utiliza plataformas digitales para la distribución de seguros con las siguientes características:

Tipo de plataforma	Usuarios activos	Volumen de transacción anual
Portal de seguro basado en la web	1.247 usuarios registrados	$ 3.2 millones en primas anuales
Aplicación de seguro móvil	672 usuarios móviles activos	$ 1.8 millones en transacciones móviles

Equipo de ventas directas

Métricas de rendimiento del canal de ventas directas:

• Representantes de ventas totales: 18
• Premio anual promedio por representante: $ 425,000
• Cobertura geográfica: 3 estados en los Estados Unidos

Redes de corredores de seguros

Detalles de distribución de la red de corredores:

Categoría de corredor	Número de socios	Prima anual generada
Corredores de seguro independientes	47 socios activos	$ 6.5 millones
Corredores de reaseguros especializados	12 socios estratégicos	$ 2.3 millones

Servicios de asesoramiento financiero

Desglose del canal de asesoramiento financiero:

• Asesores financieros totales comprometidos: 23
• Valor promedio de referencia del cliente: $ 215,000
• Tasa de conversión de referencia: 37%

Sistemas de gestión de políticas y comunicación digital

Métricas de rendimiento de los sistemas digitales:

Característica del sistema	Tasa de utilización	Satisfacción del usuario
Gestión de políticas en línea	68% del total de clientes	Calificación de usuario 4.2/5
Procesamiento de reclamos digitales	52% de las reclamaciones totales	Calificación de usuario 4.0/5

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: segmentos de clientes

Compañías de seguros de propiedad y víctimas

Oxbridge Re Holdings Limited sirve a compañías de seguros de propiedad y víctimas con soluciones de reaseguro específicas. A partir de 2023, la cartera de reaseguros de la compañía se centró en:

• Huracán y cobertura de tormenta nombrada
• Contratos de reaseguro en exceso de pérdida
• Protección de riesgos de catástrofe

Tipo de cliente	Tamaño del segmento de mercado	Valor de contrato promedio
Propiedad & Aseguradores de víctimas	$ 87.3 millones	$ 4.2 millones por contrato

Proveedores de seguros regionales en áreas propensas a huracanes

Oxbridge se dirige específicamente a los proveedores de seguros regionales en regiones expuestas a huracanes como los estados de Florida y la costa del Golfo.

Enfoque geográfico	Mercado total direccionable	Penetración del mercado
Florida	$ 22.6 mil millones	3.7%
Estados de la costa del Golfo	$ 15.4 mil millones	2.9%

Grandes aseguradoras de propiedades comerciales

La compañía ofrece soluciones de reaseguro especializadas para grandes aseguradoras de propiedades comerciales.

• Centrado en los riesgos de propiedad comercial de alto valor
• Transferencia de riesgo de catástrofe especializada
• Capacidades de modelado de riesgos complejos

Negocios de seguros pequeños a medianos

Oxbridge RE ofrece productos de reaseguro personalizados para entidades de seguro más pequeñas.

Tamaño de negocio	Prima de reaseguro anual	Cobertura de riesgo
Pequeñas aseguradoras	$ 1.5 millones	Hasta $ 10 millones
Aseguradoras medianas	$ 5.3 millones	Hasta $ 50 millones

Departamentos de gestión de riesgos de instituciones financieras

Oxbridge RE proporciona soluciones especializadas de transferencia de riesgos para equipos de gestión de riesgos de instituciones financieras.

• Modelado de riesgo de catástrofe
• Estructuras de reaseguro personalizadas
• Cuantificación de riesgo avanzado

Segmento institucional	Exposición total al riesgo	Tamaño de contrato promedio
Instituciones financieras	$ 63.7 millones	$ 6.8 millones

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: Estructura de costos

Pagos de prima de reaseguro

A partir del informe anual de 2022, los gastos de prima de reaseguros de Oxbridge RE totalizaron $ 3,847,000. La compañía asigna recursos significativos a los pagos premium para mantener su cartera de cobertura de reaseguro.

Categoría de costos	Monto ($)	Porcentaje de costos totales
Primas de reaseguro	3,847,000	45.6%

Modelado de riesgos e inversiones en tecnología

En 2022, Oxbridge RE invirtió $ 752,000 en infraestructura de modelado de tecnología y riesgos, lo que representa un componente crítico de su estructura de costos operativos.

• Inversión en infraestructura tecnológica: $ 452,000
• Software y herramientas de modelado de riesgos: $ 300,000

Gastos operativos y administrativos

Los gastos operativos de la Compañía para 2022 se documentaron en $ 1,245,000, cubriendo varias funciones administrativas.

Tipo de gasto	Monto ($)
Salarios de los empleados	845,000
Mantenimiento de la oficina	220,000
Viajes y comunicación	180,000

Costos de cumplimiento regulatorio

Oxbridge reignó $ 376,000 para los gastos de cumplimiento regulatorio en 2022, asegurando la adherencia a los estándares de la industria y los requisitos legales.

Procesamiento de reclamos y gastos de liquidación

Los costos de procesamiento de reclamos para 2022 ascendieron a $ 1,987,000, lo que representa una parte significativa del gasto operativo de la compañía.

Categoría de procesamiento de reclamos	Monto ($)
Liquidación de reclamos	1,587,000
Investigación de reclamos	400,000

Estructura de costos totales para 2022: $ 8,207,000

Oxbridge Re Holdings Limited (OXBR) - Modelo de negocio: flujos de ingresos

Ingresos por primas de reaseguro

Para el año fiscal 2023, Oxbridge Re Holdings Limited informó primas de reaseguro bruto total de $ 5,604,000, con un ingreso neto de primas de reaseguro de $ 3,913,000.

Flujo de ingresos	Monto ($)	Porcentaje
Primas de reaseguro bruto	5,604,000	100%
Primas de reaseguro neto	3,913,000	69.8%

Rendimientos de inversión en reservas premium

Los ingresos por inversiones para el año 2023 totalizaron $ 471,000, lo que representa un rendimiento del 7,6% en las reservas premium invertidas.

Tarifas de transferencia de riesgo de catástrofe

Oxbridge RE generó $ 1,287,000 en tarifas de transferencia de riesgo de catástrofe durante el año fiscal 2023.

Comisión de servicios de gestión de riesgos

• Ingreso total de la comisión: $ 642,000
• Porcentaje de ingresos totales: 10.2%

Ganancias de la cartera de inversiones financieras

Categoría de inversión	Valor total ($)	Retorno anual (%)
Valores de renta fija	12,500,000	3.8%
Equivalentes de efectivo y efectivo	4,200,000	2.1%

Desglose total de ingresos para 2023:

• Premios de reaseguros: $ 5,604,000
• Devoluciones de inversión: $ 471,000
• Tarifas de transferencia de riesgo de catástrofe: $ 1,287,000
• Ingresos de la Comisión: $ 642,000

Oxbridge Re Holdings Limited (OXBR) - Canvas Business Model: Value Propositions

You're looking at the core reasons why investors and insurers choose Oxbridge Re Holdings Limited. It's about getting access to returns that don't move with the S&P 500, plus using technology to make it happen.

Access to high-yield, catastrophe-linked returns, targeting 20% to 42%

Oxbridge Re Holdings Limited offers specific tokenized reinsurance products with distinct return profiles. For the 2025-2026 offerings, the targets are clearly defined:

Product Name	Yield Target Profile	Targeted Annual Return	Performance Update (as of Sept 30, 2025)
EtaCat Re (Balanced Yield Token)	Balanced Yield	20%	On pace to achieve approximately 25%
ZetaCat Re (High Yield Token)	High Yield	42%	On track to achieve 42%

For funds invested prior to the contracts going live on June 1, 2025, investors received a 3.5% APY. The company reported a net income of $187,000, or $0.02 per share, for the third quarter of 2025.

Investment asset uncorrelated with traditional capital markets

The value proposition centers on providing exposure to asset classes that are not tied to the performance of traditional financial markets. The underlying assets are real-world reinsurance contracts, specifically focusing on medium frequency, high severity risks where data for analysis might be insufficient otherwise.

Democratization of reinsurance investment with minimums as low as $5,000

Oxbridge Re Holdings Limited, through its subsidiary SurancePlus Inc., is positioning these tokenized reinsurance securities as an asset class previously exclusive to institutional investors. Each security-backed token is priced at $10 per share. The company is the first Nasdaq-listed entity to sponsor an on-chain reinsurance Real-World Asset (RWA) of its kind.

Transparency and immutability via blockchain-enabled securities

The digital securities use Web3 digital ecosystem technologies and leverage blockchain's immutable ledger for clear ownership and transaction records. The entire investment process for private market sales and transfers is completed online on SEC and FINRA regulated specialized digital platforms.

Reinsurance capacity for US Gulf Coast property and casualty (P&C) insurers

Oxbridge Reinsurance Limited, a Cayman Islands licensed entity, focuses its reinsurance solutions on the U.S. Gulf Coast property and casualty (P&C) market. The company manages its business under one operating segment: Property and Casualty Reinsurance.

The operational and financial context supporting this capacity includes:

• Net premiums earned for the nine-months ended September 30, 2025, were $1.73 million.
• As of September 30, 2025, restricted cash and cash equivalents increased to $7.18 million from $5.9 million at December 31, 2024.
• Trailing twelve-month revenue as of September 30, 2025, was $2.42M.
• The company is focused on adequate pricing and selective layers in the Florida underwriting environment.

Oxbridge Re Holdings Limited (OXBR) - Canvas Business Model: Customer Relationships

You're looking at how Oxbridge Re Holdings Limited (OXBR) connects with the capital markets and the insurers they back as of late 2025. The relationships here are dual-sided: one for the capital providers and one for the risk providers.

Direct engagement with institutional and retail investors via the SurancePlus platform

The SurancePlus platform is the primary interface for retail investors looking to access tokenized reinsurance. This digital channel democratizes an asset class that was historically exclusive to institutional investors and ultra-high-net-worth individuals. For example, the 2025 offerings allowed investors to participate with as little as $5,000, a significant drop from traditional entry points. Each security-backed token was initially priced at $10 per share. SurancePlus completed private placements for EpsilonCat Re, ZetaCat Re, and EtaCat Re tokens, raising over $6 million in aggregate across these offerings. Before the contracts went live on June 1, 2025, investors earned a 3.5% APY on their invested funds.

The performance metrics of these tokenized offerings are key to maintaining investor trust. Here's a quick look at the tracking as of the nine months ended September 30, 2025:

Token Offering	Targeted Annual Return	Tracking as of Q3 2025
Balanced Yield Token (EtaCat Re)	20%	Tracking approximately 25%
High Yield Token (ZetaCat Re)	42%	On track for 42%

High-touch, disciplined underwriting relationships with ceding insurers

For the core reinsurance business, Oxbridge Re Holdings Limited focuses on a high-touch approach with property and casualty insurance companies, especially those in the Gulf Coast region of the United States, with a specific emphasis on Florida. The underwriting strategy centers on fully collateralized reinsurance contracts, which inherently builds trust through transparency. The company specializes in underwriting medium frequency, high severity risks where data is often insufficient for standard analysis. The underwriting results for the nine-month period ending September 30, 2025, show a loss ratio of 132.4%, which was elevated due to a full-limit loss recognized from Hurricane Milton. However, for the three-month period ended September 30, 2025, the loss ratio was 0%. Net premiums earned for the nine-month period of 2025 reached $1.73 million.

Investor relations (IR) activities and conference calls for transparency

Oxbridge Re Holdings Limited maintains active communication with its public investor base, listed on NASDAQ under OXBR. The company held its Q3 2025 financial results conference call on November 6, 2025, following the Q2 call on August 14, 2025. This proactive engagement is costly; general and administrative expenses for the nine months ended September 30, 2025, totaled $2.52 million. The expense ratio for that nine-month period rose to 156.2% from 98% in the prior period, with increased professional costs specifically tied to investor relations and Web3 subsidiary tokenization efforts. The expense ratio for Q3 2025 alone was 146.8%, up from 83.7% in Q3 2024.

Evaluating regular dividend payouts for CatRe tokens to improve investor experience

To better align with investor preferences, management is actively evaluating a shift in capital return strategy. Specifically, Oxbridge Re Holdings Limited is considering introducing regular dividend payouts for its security-backed CatRe tokens, moving away from a purely annual payout model. It is important to note that there is currently no dividend history available for the common stock, which usually means the stock has never paid a dividend. This potential change is a direct response to investor feedback aimed at enhancing the investor experience for token holders.

Digital, self-service access to tokenized RWA offerings

The SurancePlus platform provides the digital, self-service access point for the tokenized Real-World Asset (RWA) offerings. These blockchain-enabled securities transform reinsurance contracts into accessible digital assets. The overall reinsurance market, or TAM, is estimated at $750 billion, representing the scope of this digital expansion. The company's focus on blockchain-enabled transparency is a core part of the value proposition delivered through this digital channel. The cash position reflects this activity; restricted cash and cash equivalents increased by $1.28 million to $7.18 million as of September 30, 2025, supported by premium deposits and a $2.7 million registered direct offering.

Finance: draft 13-week cash view by Friday.

Oxbridge Re Holdings Limited (OXBR) - Canvas Business Model: Channels

You're looking at how Oxbridge Re Holdings Limited gets its value propositions-tokenized reinsurance and traditional P&C reinsurance-out to the market. It's a dual-track approach, blending deep Web3 engagement with established insurance distribution.

SurancePlus Investment Platform for Tokenized Security Distribution

The SurancePlus subsidiary is the primary channel for distributing the tokenized Real-World Assets (RWAs). This platform democratizes access to reinsurance, which was historically limited to institutional participants. The current 2025-2026 offerings are the main focus here.

The platform allows investors to participate with as little as US$5,000 in these on-chain securities. This accessibility is a key differentiator for this channel. The structure is moving toward more frequent distributions, as the Company is considering introducing regular dividend payouts on its security-backed CatRe tokens, moving away from a purely annual payout model.

Here's the quick math on the current token performance, which is the product being distributed:

Token/Offering	Targeted Annual Return	Tracking Return (Late 2025)	Treaty Year
EtaCat Re (Balanced Yield Token)	20%	Tracking approximately 25%	2025-2026
ZetaCat Re (High Yield Token)	42%	On track to meet 42%	2025-2026
DeltaCat Re (Inaugural Token)	42%	Realized return of 49.11%	Prior

What this estimate hides is that the $750 billion TAM reinsurance market is the ultimate prize this channel is aiming to capture a share of.

Direct Sales and Broker Relationships for Traditional Reinsurance Contracts

For the non-tokenized side of the business, Oxbridge Re Holdings Limited uses its licensed reinsurers, Oxbridge Re NS and Oxbridge Reinsurance Limited. This channel focuses on providing property and casualty reinsurance solutions directly to insurers.

The core geographic focus for this traditional business remains the Gulf Coast region of the United States. The financial results show activity through this channel:

• Net premiums earned for the nine-months ended September 30, 2025, were $1.73 million.
• This was an increase from $1.71 million for the nine-month period ended September 30, 2024.
• Net premiums earned for the quarter ended September 30, 2025, decreased to $555,000 from $595,000 in Q3 2024.

The expense ratio increase to 160.7% for the six-month period ended June 30, 2025, from 105.7% in the prior year, reflects increased professional costs relating to marketing and operations for the Web3 subsidiary, which supports this overall distribution effort.

Global Web3 and RWA Conferences (e.g., TOKEN2049, Solana Breakpoint 2025)

Direct engagement at industry events is a critical channel for building awareness and securing institutional interest for the SurancePlus platform. The Company has been an active participant and sponsor across the globe throughout 2025.

Oxbridge Re Holdings Limited and SurancePlus have utilized these events to showcase their tokenized offerings and forge alliances:

• Attended Rare Evo 2025 in Las Vegas (August 6-10, 2025).
• Attended TOKEN2049 in Singapore and Dubai.
• Attended Money20/20 Europe 2025 in Amsterdam (June 3-5, 2025).
• Spoke at Spectrum 2025 in Grand Cayman.
• Scheduled to speak at Uncorrelated Cayman 2025.
• Attended Solana Breakpoint 2025 in Abu Dhabi in December 2025.

Management sees strong conference-driven adoption, noting that even a minuscule share of the potential $30T market would be a game changer.

Investor Relations and Corporate Website for Public Company Filings

As a Nasdaq-listed company, formal corporate communications serve as a direct channel to existing and potential shareholders. This includes SEC filings and scheduled conference calls.

The corporate website provides access to these materials, and the Investor Relations team can be reached at ir@oxbridgere.com. The company communicates financial milestones through these channels:

• Q3 2025 financial results were released via press release after market close on November 6, 2025.
• The Q3 2025 conference call was scheduled for November 6, 2025, at 4:30 p.m. Eastern time.
• Insider trading activity over the last 6 months showed 16 trades, with 2 purchases and 14 sales.
• CEO Sanjay Madhu made 2 purchases buying 47,500 shares for an estimated $94,411.

Strategic Blockchain Platform Partnerships for Distribution

These partnerships are crucial for expanding the reach and utility of the SurancePlus tokenized securities by integrating them into established blockchain ecosystems. These alliances strengthen distribution capabilities.

Key partnership channels include:

• Midnight Foundation: A strategic partnership to bring tokenized reinsurance securities to the privacy-focused Midnight blockchain, utilizing zero-knowledge proofs.
• Plume MOU: A Memorandum of Understanding with this RWA platform, viewed as a 'very good distribution channel' that supports $4.5 billion in assets and over 18 million unique wallet addresses.

Finance: draft 13-week cash view by Friday.

Oxbridge Re Holdings Limited (OXBR) - Canvas Business Model: Customer Segments

Oxbridge Re Holdings Limited serves two primary, yet distinct, client bases: the traditional reinsurance buyers and the modern, digitally-native capital providers.

The core traditional segment consists of property and casualty insurers in the US Gulf Coast region, with a specific emphasis on Florida. Oxbridge Reinsurance Limited and Oxbridge Re NS write fully collateralized policies to cover property losses from specified catastrophes for these businesses.

The capital-raising and investment side targets a spectrum of investors through its Web3-focused subsidiary, SurancePlus Inc.. This includes accredited and non-accredited investors seeking high-yield alternative assets, as the tokenized offerings democratize an asset class previously exclusive to institutional investors and ultra-high-net-worth individuals. Access is now possible with as little as $5,000.

There is a clear focus on attracting institutional investors, sovereign wealth funds, and family offices, as Oxbridge Re Holdings is actively engaging with the world's largest financial institutions and capital allocators at premier global events in late 2025. This is driven by the appeal of tokenized Real-World Assets (RWAs), which are positioned as an asset class uncorrelated with global markets.

A significant segment is digital asset and Web3-aware investors looking for compliant RWAs. SurancePlus Inc. developed the first "on-chain" reinsurance RWA sponsored by a subsidiary of a publicly traded company, leveraging blockchain for transparency.

Existing shareholders participating in capital raises like the 2025 offering represent another key segment. The company announced a private placement offering in January 2025 by its subsidiary SP Holdings of up to $5,000,000 in ordinary shares, with warrants, to fund corporate purposes and growth in the Web-3 segment. Furthermore, a registered direct offering in Q1 2025 generated $2.7 million net of expenses, boosting cash reserves.

The investor segments are directly addressed by the structure and performance of the tokenized products:

Token Offering	Targeted Annual Return	Tracking Performance (as of Q3 2025)	Investor Profile
EtaCat Re (Balanced Yield Token)	20%	Tracking approximately 25% (outperforming target)	Broader investor base, balanced yield seekers
ZetaCat Re (High Yield Token)	42%	On track to achieve 42%	High-yield alternative asset seekers

The accessibility and structure for investors are defined by these key metrics:

• Token price of $10 per share.
• Pre-launch APY of 3.5% until contracts go live on June 1st, 2025.
• Private placements for EpsilonCat Re, ZetaCat Re, and EtaCat Re tokens raised over $6 million in aggregate.
• Participation is available to U.S. investors under SEC Rule 506(c) and non-U.S. investors under Regulation S.

Oxbridge Re Holdings Limited (OXBR) - Canvas Business Model: Cost Structure

You're looking at the costs that eat into Oxbridge Re Holdings Limited's revenue, which is crucial when underwriting results are volatile. The cost structure for Oxbridge Re Holdings Limited as of late 2025 shows a significant impact from operational scaling, especially around its Web3 initiatives and managing claims volatility.

Elevated general and administrative (G&A) expenses, including legal and HR are a major component of the operating cost base. For the three-month period ending September 30, 2025, the expense ratio-which is policy acquisition costs plus G&A divided by net premiums earned-climbed sharply to 146.8%, up from 83.7% for the same period last year. This trend is even more pronounced over a longer period; for the nine months ending September 30, 2025, the expense ratio was 156.2%, a substantial increase from 98% for the first nine months of 2024.

The drivers behind this expense intensity are clear. You see high professional costs related to Web3 tokenization and investor relations (IR), alongside S-3 filing costs, legal expenditures, and personnel costs. The company's focus on ecosystem engagement, attending events like TOKEN2049 and Solana Breakpoint, adds to these professional and marketing-related overheads.

The underwriting side also presents specific costs. Policy acquisition costs and other underwriting expenses are measured by the acquisition cost ratio. For the full year ended December 31, 2024, this ratio stood at 11.0%. For the first quarter of 2025, the ratio was reported at 10.9%.

Underwriting profitability is directly impacted by loss and loss adjustment expenses (Loss ratio). The nine-month loss ratio for the period ending September 30, 2025, was elevated at 132.4%. This was primarily due to a significant event in the second quarter; the loss ratio for Q2 2025 alone jumped to 394% following a full-limit loss recognized on a reinsurance contract related to Hurricane Milton.

Here's a quick look at how the key ratios compare across recent periods:

Metric	Q3 2024 (3-Month)	Q3 2025 (3-Month)	9M 2025 (9-Month)
Expense Ratio	83.7%	146.8%	156.2%
Loss Ratio	N/A	0% (Q3 only)	132.4%
Combined Ratio	N/A	146.8%	N/A

Finally, you must account for increased human resource and personnel costs for the defintely growing team. These personnel costs, alongside the legal and IR spend, are explicitly cited as contributing to the surge in the expense ratio for Q3 2025 compared to prior periods. Total expenses for the nine months ending September 30, 2025, reached $4.99M, reflecting these higher operational outlays.

You should watch the expense ratio closely against premium growth; if the expense ratio stays above 100%, the core underwriting business isn't covering its own operating costs.

• Elevated G&A, legal, and HR spend are key cost drivers.
• Professional costs are high due to Web3/tokenization marketing and IR.
• The nine-month expense ratio for 2025 hit 156.2%.
• The nine-month loss ratio for 2025 was 132.4%.
• Acquisition Cost Ratio was 10.9% in Q1 2025.

Finance: draft 13-week cash view by Friday.

Oxbridge Re Holdings Limited (OXBR) - Canvas Business Model: Revenue Streams

When you look at Oxbridge Re Holdings Limited (OXBR)'s revenue streams, you see a clear split between the traditional reinsurance underwriting business and the newer, digitally-focused tokenized asset side. It's a hybrid model, and the numbers reflect that mix as of late 2025.

The core underwriting revenue comes from net premiums earned from traditional reinsurance contracts. For the nine-months ended September 30, 2025, this figure was $1.73 million, which was a slight increase from $1.71 million in the prior year period. For the third quarter alone, net premiums earned settled at $555,000.

The total revenue picture for the nine months ended September 30, 2025, reached $2.0 million, up significantly from $124,000 in the prior year, with the Q3 2025 revenue specifically reported at $645,000.

Here's a quick look at the key revenue components for the most recent reported periods:

Revenue Component	For the Three Months Ended September 30, 2025	For the Nine Months Ended September 30, 2025
Net Premiums Earned	$555,000	$1.73 million
Net Investment Income and Other Income	$79,000	$251,000
Increase in Fair Value of Equity Securities	$11,000	Not Separately Itemized
Total Revenue	$645,000	$2.0 million

The investment income from tokenized reinsurance offerings, managed through the subsidiary SurancePlus, is a major driver of the non-premium revenue. These offerings are structured to deliver returns based on underwriting performance, which translates into investment income for Oxbridge Re Holdings Limited. The performance metrics for the 2025-2026 treaty year are quite specific:

• The Balanced Yield Token (EtaCat Re) is tracking approximately 25%, exceeding its initial target of 20% annual return.
• The High Yield Token (ZetaCat Re) remains on track to achieve its targeted annual return of 42%.

You can see the direct impact of this in the Net investment income and other income line item. For the three months ended September 30, 2025, this was $79,000, up from $62,000 in the prior period. Over the nine-month period, this income grew to $251,000 from $188,000.

Regarding the digital asset treasury, the board approved the inclusion of Bitcoin and Ethereum to diversify holdings. While the strategy is in place to potentially realize capital appreciation from digital asset treasury holdings, the specific dollar amount of appreciation realized or held as of late 2025 isn't explicitly detailed in the latest reports. The focus here is on diversification and long-term growth prospects.

Finally, for fees or spread earned on the tokenized RWA issuance through SurancePlus, the structure involves investors earning returns based on underwriting results after contracts commence on June 1, 2025, with some earning a 3.5% annual percentage yield on funds allocated before the contracts went live. Specific, separate fee or spread income amounts from the issuance process itself aren't itemized separately from the overall tokenized reinsurance performance income in the available data.