This page provides access to U.S. Securities and Exchange Commission (SEC) filings for Presurance Holdings, Inc. (Nasdaq: PRHI), a Michigan-based property and casualty insurance holding company. Through these regulatory documents, investors can review how the company reports on its specialty insurance operations, financial condition, and risk profile.
In its public disclosures, Presurance presents detailed information on gross and net written premiums, net earned premiums, loss and expense ratios, and combined ratios for both personal and commercial lines. Filings such as annual reports on Form 10-K and quarterly reports on Form 10-Q typically include segment information, discussion of the runoff of legacy commercial lines, and analysis of the company’s emphasis on personal lines, including homeowners and low-value dwelling business.
Presurance also uses non-GAAP measures in its reporting, notably adjusted operating income (loss). In its filings, the company defines this metric and reconciles it to net income (loss) by excluding items such as net realized investment gains or losses, changes in the fair value of equity securities, changes in the fair value of contingent considerations, changes in contingent consideration bonus expense, and net income (loss) from discontinued operations. These reconciliations help readers distinguish between underlying operating performance and items that management considers non-core.
On Stock Titan, SEC filings for PRHI are updated from the EDGAR system as they become available. AI-powered summaries highlight key elements of lengthy documents, such as trends in underwriting results, movements in net investment income, and explanations of non-GAAP measures, making it easier to understand the implications of each filing. Users can also review disclosures related to capital structure, including references to the company’s 9.75% Senior Notes due 2028 and its Nasdaq Capital Market listing under the PRHI symbol.
Presurance Holdings, Inc. (PRHI) director Joseph D. Sarafa reported a direct purchase of 11,000 common shares on September 30, 2026, at a weighted average price of $6.7497 per share. The purchase comprised multiple trades priced from $6.68 to $6.75. No Rule 10b5-1 plan is reported.
After the purchase, Sarafa directly held 61,000 shares. The reported share amounts reflect the 1-for-7 reverse stock split effective June 1, 2026.
Presurance Holdings, Inc. (PRHI) director Isolde O'Hanlon purchased 7,250 shares of common stock on September 30, 2026, at a weighted average price of $6.7497 per share. Multiple trades ranged from $6.68 to $6.75. She reported 7,964 shares held directly following the purchase. The reported share amounts reflect the 1-for-7 reverse stock split effective June 1, 2026. No Rule 10b5-1 plan is reported.
Presurance Holdings, Inc. director James Grant Smith purchased 7,250 shares of common stock on September 30, 2026, at a weighted average price of $6.7497 per share. The shares were purchased in multiple trades priced from $6.68 to $6.75, and Smith’s direct holdings after the transaction were 15,953 shares. The reported amounts reflect the 1-for-7 reverse stock split effective June 1, 2026. No Rule 10b5-1 plan is reported.
Presurance Holdings, Inc. (PRHI) Chief Executive Officer Brian J. Roney purchased 7,500 shares of common stock on September 30, 2026, at a reported weighted average price of $6.7497 per share. The transaction involved multiple trades priced from $6.68 to $6.75 per share. His reported direct holdings after the purchase were 80,390 shares. The reported amounts reflect the 1-for-7 reverse stock split effective June 1, 2026. No Rule 10b5-1 plan is reported.
Presurance Holdings, Inc. (PRHI) CFO and Treasurer Harold J. Meloche purchased 4,100 common shares on September 30, 2026, at $6.375 per share. He directly held 14,468 shares after the purchase. The reported share amounts reflect the 1-for-7 reverse stock split effective June 1, 2026. No Rule 10b5-1 plan is reported.
Presurance Holdings, Inc. (PRHI) director Timothy Lamothe reported a sale of 2,478 shares of common stock on August 27, 2026, at a price of $6.5127 per share. Following this transaction, he reported holding 0 shares directly. The share amounts reflect a 1-for-7 reverse stock split of Presurance’s common stock that became effective on June 1, 2026.
Presurance Holdings, Inc. reported stronger profitability for the quarter and six months ended June 30, 2026, while materially shrinking premium volume as it reshapes its book. First-half net income doubled to $5.2 million ($1.66 per share) from $2.6 million ($1.47 per share). The first-half combined ratio improved to 86.4% from 131.2%, reflecting better underwriting performance and favorable prior-year reserve development.
For the second quarter, net income was $2.5 million on net earned premiums of $6.8 million, with a combined ratio of 69.5%, including 31 percentage points of favorable prior-year development. Gross written premiums declined 38.0% in the quarter and 34.1% year-to-date as the company exited legacy commercial lines; personal lines comprised 100% of gross written premium in the quarter, driven largely by Texas homeowners. Adjusted operating income turned positive to $1.3 million in the quarter from a loss of $2.1 million a year earlier. Book value stood at $7.41 per share, and total shareholders’ equity was $27.7 million as of June 30, 2026.
Presurance Holdings, Inc. reported net income of $2.5 million for the quarter ended June 30, 2026, up from $2.1 million a year earlier, and $5.2 million for the first six months versus $2.6 million in 2025. Results were heavily influenced by a $1.2 million quarterly and $5.7 million year-to-date gain from changes in the fair value of contingent consideration related to the CIS sale. Core insurance activity shrank: net earned premiums fell to $6.8 million from $9.6 million in the quarter and to $12.7 million from $19.9 million year-to-date as commercial lines remain in runoff and the company focuses on homeowners business.
Losses and loss adjustment expenses declined sharply to $1.7 million from $6.6 million in the quarter, aided by $2.4 million of favorable development on legacy commercial business. Shareholders’ equity rose to $27.7 million from $9.0 million at December 31, 2025, driven by a $14.0 million rights offering and earnings, while common shares outstanding increased to 3.75 million. Cash, cash equivalents and short-term investments totaled $41.2 million, but operating activities used $20.2 million of cash year-to-date. The insurance subsidiary TIC remained subject to Company Action Level risk-based capital requirements, constraining writings, and the company recorded a $10.0 million receivable for the fully earned final CIS earnout expected by August 31, 2026.
Presurance Holdings, Inc. large shareholder Clarkston Companies, Inc. reported an internal restructuring of its preferred stock holdings. On May 11, 2026, Clarkston exchanged 1,600 shares of Presurance’s Series C Preferred Stock for 1,600 shares of newly designated Series D Preferred Stock, each with a stated price of $5,000 per share.
After the exchange, Clarkston’s Series C Preferred Stock position was reduced to 0 shares, and its Series D Preferred Stock holdings increased to 1,600 shares. Clarkston also reported continuing direct ownership of 9,065,360 shares of Presurance common stock, with no change in that common stock position disclosed in this filing.
Presurance Holdings, Inc. reported results from its June 3, 2026 virtual annual shareholder meeting. Shareholders elected Class II directors Timothy M. Lamothe and Isolde G. O'Hanlon to three-year terms ending at the 2029 annual meeting and ratified Grant Thornton LLP as independent auditor for 2026.
As of the April 20, 2026 record date, 26,222,881 common shares were outstanding and entitled to vote. A quorum was reached, with 21,552,879 shares represented (approximately 82.2% of outstanding shares). Each director received about 19 million votes in favor, and the auditor ratification received over 20.5 million votes for.