Hamilton Insurance Group, Ltd.

Hamilton’s governance framework emphasizes accountability, an inclusive and high‑performing culture, prudent underwriting, and disciplined investment strategies to deliver durable value. Our commitment to implementing, monitoring, and evolving our governance practices is critical to our success in building a strong, more resilient company. Our strategy is anchored in financial strength and disciplined risk management, ensuring sustainable value creation over the long-term.

Accountability

Hamilton’s long‑term value creation is rooted in strong governance and clear accountability. The Board and its committees actively oversee strategy, risk, financial discipline, and culture to ensure decisions align with our long‑term objectives and stakeholder interests. Management executes the strategy within defined controls, policies, and risk tolerances, and provides regular reporting on performance, risk, and operational integrity. We maintain disciplined financial and risk management practices supported by transparent reporting and robust internal controls. This structure promotes resilience, prudent decision‑making, and a culture where colleagues understand their responsibilities, take ownership, and uphold Hamilton’s values.

Talent and Culture

Hamilton aims to be a magnet for talent by cultivating an inclusive, entrepreneurial culture that supports collaboration, accountability, and alignment with our values. We work to attract, develop, and retain top talent by providing opportunities for ownership, encouraging open communication, and fostering a workplace where individuals can make a meaningful impact.

Feedback from our regular employee surveys and informal engagement indicates that our colleagues view Hamilton as an inclusive and entrepreneurial workplace, supported by teamwork, collaboration, and a flat organizational structure. This structure provides meaningful opportunities for employees who want to “move the needle,” take ownership, and embrace accountability.

Statistics as at December 31, 2025, including the average scores for the biannual Hamilton Pulse Surveys conducted in 2025

Underwriting

Disciplined underwriting is central to Hamilton’s financial strength and long‑term resilience. Hamilton is a responsible underwriter committed to disciplined risk management and long-term resilience. We embed rigorous risk assessment and analytics into every underwriting decision.

Our underwriting approach includes:

•Comprehensive catastrophe risk monitoring to ensure capital adequacy and claims-paying ability under extreme scenarios.

•Building relationships with clients and partners who share our commitment to sound risk practices.

•Offering products that help communities recover from catastrophic events and maintain economic stability.

While our primary focus is financial strength and risk mitigation, we also consider sustainability where it aligns with prudent underwriting—such as supporting clients engaged in responsible practices and resilience-building initiatives. This balanced approach ensures we meet our obligations to policyholders and deliver consistent value to shareholders.

Investments

Responsible capital deployment supports Hamilton’s long‑term value creation objectives. Hamilton deploys its invested capital responsibly. Investment decisions are driven by Board-established processes and guidelines and are monitored regularly to ensure alignment with our strategic objectives. Our investment strategy prioritizes capital preservation, liquidity, and risk-adjusted returns in accordance with Board-approved guidelines, while considering sustainability factors where they align with prudent risk management and long-term value creation.

FIXED INCOME PORTFOLIOS

Hamilton’s fixed income investment portfolios are managed to achieve strong risk-adjusted performance while maintaining diversification and credit quality. While our primary focus is financial resilience, we also take into account relevant sustainability considerations as part of our broader risk assessment process.

TWO SIGMA HAMILTON FUND

Hamilton’s investment in the Two Sigma Hamilton Fund follows disciplined risk management and governance standards established by the investment manager. Two Sigma applies advanced data-driven strategies to optimize returns within defined risk parameters and incorporates select sustainability factors where they support long-term performance and risk mitigation.