Welcome to our dedicated page for Presurance Holdings SEC filings (Ticker: PRHI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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. is soliciting proxies for its 2026 virtual annual meeting, where shareholders will vote on electing two directors, Timothy M. Lamothe and Isolde G. O’Hanlon, to terms expiring in 2029 and on ratifying Grant Thornton LLP as independent auditor for 2026.
The company had 26,222,881 shares of common stock outstanding as of April 20, 2026, with Clarkston‑affiliated entities and director Jeffrey Hakala together beneficially owning 21,078,584 shares, or about 69.7% of the stock. All current directors are deemed independent under Nasdaq rules, and the board is staggered into three classes.
In 2025, non‑employee directors received an aggregate $185,000 in cash fees. CEO Brian Roney earned total compensation of $760,750, including a bonus tied to the 2024 sale of Conifer Insurance Services, while CFO Harold Meloche earned $572,800. The proxy also details significant related‑party financings, including Series A, B and C preferred stock and a backstopped rights offering with Clarkston affiliates.
Presurance Holdings, Inc. is soliciting proxies for its 2026 virtual annual meeting, where shareholders will vote on electing two directors, Timothy M. Lamothe and Isolde G. O’Hanlon, to terms expiring in 2029 and on ratifying Grant Thornton LLP as independent auditor for 2026.
The company had 26,222,881 shares of common stock outstanding as of April 20, 2026, with Clarkston‑affiliated entities and director Jeffrey Hakala together beneficially owning 21,078,584 shares, or about 69.7% of the stock. All current directors are deemed independent under Nasdaq rules, and the board is staggered into three classes.
In 2025, non‑employee directors received an aggregate $185,000 in cash fees. CEO Brian Roney earned total compensation of $760,750, including a bonus tied to the 2024 sale of Conifer Insurance Services, while CFO Harold Meloche earned $572,800. The proxy also details significant related‑party financings, including Series A, B and C preferred stock and a backstopped rights offering with Clarkston affiliates.
Presurance Holdings, Inc. director James Grant Smith reported two open-market purchases of the company’s Common Stock. On April 13, 2026, he bought 23,672 shares at $0.74 per share. On April 6, 2026, he bought 1,100 shares at $0.80 per share. Following these transactions, he directly owns 60,922 Common Stock shares.
Presurance Holdings, Inc. director James Grant Smith reported two open-market purchases of the company’s Common Stock. On April 13, 2026, he bought 23,672 shares at $0.74 per share. On April 6, 2026, he bought 1,100 shares at $0.80 per share. Following these transactions, he directly owns 60,922 Common Stock shares.
Presurance Holdings, Inc. Chief Executive Officer Brian J. Roney reported an open-market purchase of 100,000 shares of common stock. The shares were bought at a weighted average price of $0.7181 per share, in multiple trades priced between $0.54 and $0.78. Following this transaction, he directly owned 510,232 common shares.
Presurance Holdings, Inc. Chief Executive Officer Brian J. Roney reported an open-market purchase of 100,000 shares of common stock. The shares were bought at a weighted average price of $0.7181 per share, in multiple trades priced between $0.54 and $0.78. Following this transaction, he directly owned 510,232 common shares.
Presurance Holdings reported a weak fourth quarter of 2025 as it continues to exit legacy commercial lines. The company posted a net loss allocable to common shareholders of $17.0 million, or $(1.39) per diluted share, on total revenue and other income of $4.6 million. Gross written premiums for the quarter fell to $7.9 million from $13.7 million, reflecting the runoff of underperforming commercial business.
Results for the full year were also negative. Net loss allocable to common shareholders was $18.4 million, or $(1.51) per share, and adjusted operating loss was $25.6 million, or $(2.10) per share. The consolidated combined ratio reached 333.5% in the quarter and 168.8% for the year, indicating heavy underwriting losses. Book value per common share declined to $0.73 from $1.76 as of year-end, while personal lines gross written premiums grew 12.7% in 2025 to $51.1 million and represented 100% of fourth-quarter gross written premium.
Presurance Holdings reported a weak fourth quarter of 2025 as it continues to exit legacy commercial lines. The company posted a net loss allocable to common shareholders of $17.0 million, or $(1.39) per diluted share, on total revenue and other income of $4.6 million. Gross written premiums for the quarter fell to $7.9 million from $13.7 million, reflecting the runoff of underperforming commercial business.
Results for the full year were also negative. Net loss allocable to common shareholders was $18.4 million, or $(1.51) per share, and adjusted operating loss was $25.6 million, or $(2.10) per share. The consolidated combined ratio reached 333.5% in the quarter and 168.8% for the year, indicating heavy underwriting losses. Book value per common share declined to $0.73 from $1.76 as of year-end, while personal lines gross written premiums grew 12.7% in 2025 to $51.1 million and represented 100% of fourth-quarter gross written premium.
Presurance Holdings, Inc. has been notified by Nasdaq that its common stock no longer meets the minimum bid price requirement because the closing bid has stayed below $1.00 per share for 30 consecutive business days. The company has until August 31, 2026 to regain compliance by having its stock close at or above $1.00 for at least 10 consecutive business days.
If it fails to do so, Presurance may qualify for an additional 180 days if it meets other Nasdaq listing standards and formally commits to curing the deficiency. Shareholders previously approved a reverse stock split in June 2025 at a ratio between 1-for-2 and 1-for-12, and the board can choose the exact ratio any time before June 3, 2026, but plans to use this tool only if it believes it is in shareholders’ best interests. If compliance is not restored, Nasdaq could move to delist the common stock, which the company would be able to appeal.
Presurance Holdings, Inc. has been notified by Nasdaq that its common stock no longer meets the minimum bid price requirement because the closing bid has stayed below $1.00 per share for 30 consecutive business days. The company has until August 31, 2026 to regain compliance by having its stock close at or above $1.00 for at least 10 consecutive business days.
If it fails to do so, Presurance may qualify for an additional 180 days if it meets other Nasdaq listing standards and formally commits to curing the deficiency. Shareholders previously approved a reverse stock split in June 2025 at a ratio between 1-for-2 and 1-for-12, and the board can choose the exact ratio any time before June 3, 2026, but plans to use this tool only if it believes it is in shareholders’ best interests. If compliance is not restored, Nasdaq could move to delist the common stock, which the company would be able to appeal.
Presurance Holdings, Inc. reported that 10% owner Clarkston Ventures, LLC exercised subscription rights in an out-of-the-money derivative transaction. Clarkston exercised 3,735,769 subscription rights at $0.00 per right and received 4,277,455 shares of common stock at $1.00 per share.
After the transaction, Clarkston reported owning 8,013,224 shares of Presurance common stock directly. A footnote states that Clarkston disclaims beneficial ownership of all shares held in client accounts.
Presurance Holdings, Inc. reported that 10% owner Clarkston Ventures, LLC exercised subscription rights in an out-of-the-money derivative transaction. Clarkston exercised 3,735,769 subscription rights at $0.00 per right and received 4,277,455 shares of common stock at $1.00 per share.
After the transaction, Clarkston reported owning 8,013,224 shares of Presurance common stock directly. A footnote states that Clarkston disclaims beneficial ownership of all shares held in client accounts.
Presurance Holdings, Inc. received an updated Schedule 13D/A from the Clarkston group detailing a highly concentrated ownership and several financing transactions. Clarkston Ventures, LLC reports beneficial ownership of 8,013,224 common shares, or 26.5% of the class. Clarkston Companies, Inc. reports beneficial ownership of 13,065,360 common shares (including 4,000,000 shares issuable upon warrant exercise), or 43.2% of the class. Individually, Jeffrey A. Hakala and Gerald W. Hakala are each deemed to beneficially own 21,078,584 shares, or 69.7% of the common stock, together with the Clarkston entities.
The filing explains that Clarkston Companies bought warrants exercisable for 4,000,000 shares at $1.50 per share, expiring January 31, 2027, in a private transaction. The company also sold 1,600 shares of Series C Preferred Stock to Clarkston Companies for $8,000,000; these senior securities carry a 15.0% annual cash dividend and strong protective voting rights on changes that affect their terms. In a rights offering where each common holder received one right per share, allowing purchase of 1.145 common shares at $1.00 up to 14,000,000 shares total, Clarkston Ventures acquired 4,277,455 shares and Clarkston Companies acquired 9,065,360 shares under a backstop agreement. The issuer then redeemed all Series B Preferred Stock from Clarkston Companies for $7,500,000, partly offsetting the backstop purchase price.
Presurance Holdings, Inc. received an updated Schedule 13D/A from the Clarkston group detailing a highly concentrated ownership and several financing transactions. Clarkston Ventures, LLC reports beneficial ownership of 8,013,224 common shares, or 26.5% of the class. Clarkston Companies, Inc. reports beneficial ownership of 13,065,360 common shares (including 4,000,000 shares issuable upon warrant exercise), or 43.2% of the class. Individually, Jeffrey A. Hakala and Gerald W. Hakala are each deemed to beneficially own 21,078,584 shares, or 69.7% of the common stock, together with the Clarkston entities.
The filing explains that Clarkston Companies bought warrants exercisable for 4,000,000 shares at $1.50 per share, expiring January 31, 2027, in a private transaction. The company also sold 1,600 shares of Series C Preferred Stock to Clarkston Companies for $8,000,000; these senior securities carry a 15.0% annual cash dividend and strong protective voting rights on changes that affect their terms. In a rights offering where each common holder received one right per share, allowing purchase of 1.145 common shares at $1.00 up to 14,000,000 shares total, Clarkston Ventures acquired 4,277,455 shares and Clarkston Companies acquired 9,065,360 shares under a backstop agreement. The issuer then redeemed all Series B Preferred Stock from Clarkston Companies for $7,500,000, partly offsetting the backstop purchase price.
Presurance Holdings, Inc. insider Clarkston Companies, Inc., a 10% owner, reported major share activity. On February 27, 2026, it made an open-market purchase of 9,065,360 shares of common stock at $1.00 per share, leaving the same number of common shares owned afterward.
On the same date, all 1,500 shares of Series B preferred stock held by Clarkston were redeemed and repurchased by Presurance for a per-share price equal to the $5,000 issue price plus $101.30 of accrued and unpaid dividends. Earlier, on December 23, 2025, Clarkston bought 1,600 shares of Series C preferred stock at $5,000 per share.
Presurance Holdings, Inc. insider Clarkston Companies, Inc., a 10% owner, reported major share activity. On February 27, 2026, it made an open-market purchase of 9,065,360 shares of common stock at $1.00 per share, leaving the same number of common shares owned afterward.
On the same date, all 1,500 shares of Series B preferred stock held by Clarkston were redeemed and repurchased by Presurance for a per-share price equal to the $5,000 issue price plus $101.30 of accrued and unpaid dividends. Earlier, on December 23, 2025, Clarkston bought 1,600 shares of Series C preferred stock at $5,000 per share.