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Oxbridge Re Holdings
Oxbridge Re Holdings is a publicly traded Cayman Islands reinsurer that tokenizes property-catastrophe risk via its subsidiary Oxbridge Re Tokenized...
Oxbridge Re Holdings
Oxbridge Re Holdings was founded in 2013 and listed on the Nasdaq in 2014 (ticker: OXBR), making it one of the few publicly traded reinsurance vehicles headquartered in the Cayman Islands. The firm is led by CEO Jay Madhu alongside CFO Waleed Khalid and Chief Underwriting Officer Sanjay Madhu, all of whom have backgrounds in insurance and capital markets. The firm operates through two primary segments: traditional property and casualty reinsurance, where it writes short-tail coverage on a quota-share and excess-of-loss basis, and a newer tokenized reinsurance arm called Oxbridge Re Tokenized Securities. This subsidiary issues digital tokens representing fractional ownership in specific reinsurance contracts, effectively tokenizing insurance risk for retail and institutional investors. The firm focuses on US and Caribbean property catastrophe risks. Oxbridge Re reported no new material corporate events in the last 24 months beyond its ongoing tokenization initiative. The firm is thinly staffed relative to comparable reinsurers, with fewer than 10 employees disclosed in public filings. A key structural differentiator is its dual identity: a SEC-reporting public company that also issues tokenized securities under exemptions from registration, creating a compliance architecture that few peers have replicated. The firm's small scale and narrow geographic risk pool limit its capacity to compete with large Bermuda or London reinsurers.
General information
Firm type
other
Year founded
2013
AUM
Undisclosed
Location
Region
Latin America
Country
Cayman Islands
City
Grand Cayman
Corporate office
Grand Cayman, Cayman Islands
Principals
Jay Madhu
Chief Executive Officer
Waleed Khalid
Chief Financial Officer
Sanjay Madhu
Chief Underwriting Officer
Sector focus
Frequently asked questions
Who runs investment decisions at Oxbridge Re Holdings?
CEO Jay Madhu oversees all capital allocation and underwriting. The firm's investment committee, which includes Madhu and CFO Waleed Khalid, makes decisions on premium deployment and token issuance. The team draws on decades of combined experience in reinsurance and structured finance (per SEC filings, 2024).
How does Oxbridge Re source proprietary deal flow?
Oxbridge Re sources reinsurance contracts through established broker relationships in the US and Caribbean markets. For its tokenized securities, it partners with digital asset platforms that distribute tokens to accredited investors under Regulation D and Regulation S exemptions. The firm does not maintain an in-house origination team (per its 2023 10-K).
Is Oxbridge Re structured as a single family office or does it operate more like a reinsurer?
Oxbridge Re is a publicly traded insurance holding company, not a family office. It reports to the SEC, has a board of directors independent from the Madhu family, and issues shares tradeable on Nasdaq. However, the Madhu family holds a controlling stake, giving it a family-office-like governance dynamic.
Does Oxbridge Re participate in fund commitments or only direct deals?
Oxbridge Re does not act as a fund-of-funds or commit capital to external managers. It writes direct reinsurance treaties and sells tokenized interests in those treaties. All capital is deployed into its own underwriting portfolio (per public filings, 2023).
What investment stages does Oxbridge Re typically target?
Oxbridge Re primarily targets short-tail property catastrophe reinsurance contracts with a typical duration of one year. Its tokenized securities offer exposure to those annual contracts. The firm does not engage in multi-year structured products or retrocessional layers.
Which sectors does Oxbridge Re explicitly avoid?
The firm avoids life reinsurance, health insurance, long-tail liability lines like asbestos or workers' compensation, and commercial direct insurance. It focuses strictly on property-catastrophe risk in the US and Caribbean.
Where does the underlying capital come from?
Oxbridge Re's capital base consists of equity raised in its 2014 IPO and retained earnings from underwriting. The firm has not disclosed the personal wealth origin of its principal shareholders, the Madhu family. None of the public sources link the firm to a specific inherited or self-made fortune.
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