RenaissanceRe 2025 Sustainability Report

Table of Contents | Our Approach | 01 | A Message From Our CEO | 01 | | 02 | About This Report | 03 | | 03 | Sustainability Strategy | 05 | | Sustainability | 04 | Our Portfolio | 10 | | and Our Business | 05 | Our Partnerships | 22 | | 06 | Our People | 26 | | 07 | Our Operations | 33 | | 08 | Our Communities | 38 | | 09 | Our Governance | 42 | | Methodology | 10 | Metrics and Performance | 45 | | 11 | Looking Ahead | 47 | | 12 | Appendix | 50 |

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 2 Fundamentally, sustainability is about managing emerging risks and finding opportunities to build a more resilient future. These principles align closely with our goals as a reinsurer and I’m pleased to present our 2025 Sustainability Report, which describes our approach to sustainability and highlights our recent progress. Climate change continues to influence the risks and opportunities facing our industry and the broader economy. Our ability to understand and manage climate-related risks in underwriting is fundamental to serving our customers and creating value for our shareholders. Our team at RenaissanceRe Risk Sciences continuously refines our proprietary models for perils including hurricanes, floods, wildfires and earthquakes. These insights shape how we evaluate risk, structure programs, and deploy capital. Sustainability considerations also inform decisions across our business, including our investment activities and operations, and how we collaborate across the industry. Through initiatives like ClimateWise and the Insurance Development Forum, we work with industry, academic and public-sector partners to advance practical solutions to significant challenges such as closing the protection gap and improving risk data in underserved markets. Risks facing our industry will continue to evolve, but by applying our underwriting judgment, deploying capital with discipline and supporting our customers, we believe we can continue to create long-term value for our shareholders while fulfilling our purpose to protect communities and enable prosperity. Kevin J. O’Donnell President and Chief Executive Officer RenaissanceRe At RenaissanceRe, our purpose is to protect communities and enable prosperity. We match risk with efficient capital to help our customers, and the businesses and communities they serve, manage uncertainty, recover from catastrophic events and plan for the future. A Message From Our CEO

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 4 As a global reinsurer, we deliver significant impact through how we underwrite risk, deploy capital and apply scientific insight. This report focuses on those areas while also covering our operational performance, our people and our approach to governance. Reporting Period This report covers the period from January 1 to December 31, 2025. Where relevant, it includes forward-looking statements reflecting our current strategy and priorities. See “Looking Ahead – Note on Forward-Looking Statements.” It should be read alongside our Annual Report on Form 10-K and our Proxy Statement,filed with the SEC,and ClimateWise disclosures, which together provide a comprehensive view of our strategy, performance and risk management. Reporting Frameworks Our disclosures are informed by leading sustainability standards and frameworks, including: • Task Force on Climate-related Financial Disclosures (TCFD) • Global Reporting Initiative (GRI) Standards — 2021 Edition • Sustainability Accounting Standards Board (SASB) — Insurance Sector • United Nations Sustainable Development Goals (SDGs) • International Sustainability Standards Board (ISSB) Scope and Boundaries This report reflects activities across RenaissanceRe Holdings Ltd. and its subsidiaries (“RenaissanceRe,” the “Company,” “we,” “us,” or “our”), representing our global operations. Statements made in this report pertain to RenaissanceRe Holdings Ltd., and data is presented at a group level, with selected location-specific examples where relevant. Our Approach to Reporting We aim to provide clear, decision- useful and transparent information for our stakeholders. We expect to continue to refine our disclosures as expectations, data quality and methodologies evolve, to enhance consistency, comparability and insight over time. About RenaissanceRe RenaissanceRe is a global provider of reinsurance and insurance. We provide property, casualty and specialty reinsurance and certain insurance solutions to customers, principally through intermediaries. Established in 1993, and headquartered in Bermuda, we have offices across North America, Europe and the Asia-Pacific region. Our business is built on deep expertise in risk assessment, underwriting and capital management. We combine advanced analytics, proprietary catastrophe models and scientific insight to understand complex and evolving risks, enabling us to deliver effective, dependable solutions to our clients. Our integrated platform allows us to allocate risk efficiently across our owned balance sheets and Capital Partners vehicles, matching desirable risk with efficient capital. This flexibility supports our ability to provide consistent capacity to clients across market cycles. Sustainability is embedded in how we operate. It informs our governance, risk management and decision-making, and it is integrated into how we underwrite risk, allocate capital and support the resilience of the communities we serve. About This Report This Sustainability Report discusses certain aspects of RenaissanceRe's approach to creating long-term value. It explains ways in which we integrate environmental, social and governance (ESG) considerations into our strategy, business model and day-to-day decision-making, and how those considerations support the resilience of our business and the communities we serve. $11.7B Gross Premiums Written* $35B+ Claims Paid Since Inception** 25.9% Return on Average Common Equity* Over 30 yrs Underwriting Excellence** * For the year ended December 31, 2025. ** As at December 31, 2025.

Sustainability is an integral part of our decision-making process and is core to how we conduct ourselves as a business, engage with stakeholders and support broader economic and societal resilience over the long term. 03 Sustainability Strategy

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 6 Sustainability Strategy We view sustainability not as a separate objective, but as integral to underwriting profitability, capital efficiency and long-term shareholder value. 2025 Sustainability Highlights Reduction in the Carbon Intensity of our Corporate Credit and Equity Portfolios (from December 31, 2020 to December 31, 2025, as measured by MSCI) Investments and Capital Partners Professionals Trained in ESG* Charitable Organizations Supported* 73% 50+ ~500 * For the year ended December 31, 2025. ** Women in the Workforce percentage as of February 6, 2026. Employee Volunteering* Women in the Workforce** Absolute GHG Emissions Reduction from Baseline Year (From December 31, 2019 to December 31, 2025) % % 1,275 43 29 days contributed

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 7 Sustainability Vision, Mission and Goals Sustainability at RenaissanceRe is grounded in our purpose: protecting communities and enabling prosperity. As a reinsurer, we view sustainability through the lens of resilience, applying risk science, underwriting discipline and capital management to support long-term value creation. Our approach focuses on the areas where we believe we have the greatest influence: underwriting, investments and our own operations. ESG considerations are embedded within our established risk management, governance and decision-making processes, enabling a consistent and forward-looking approach aligned with our responsibility to maintain resilient portfolios and markets. This integrated approach enables us to respond dynamically to evolving risks, support the availability of insurance capacity through market cycles and contribute to broader economic and community resilience over the long term. Underwriting Discipline Long-Term Shareholder and Societal Value Risk Science and Data Resilient Portfolios and Markets Efficient Capital Deployment Our business model integrates sustainability into core decision- making Anne-Marie Gordon SVP, Head of Sustainability & Resilience We see sustainability as strengthening the resilience of people and places. By taking a long-term approach to underwriting, investing and operating, we help protect communities in moments of crisis and support them to thrive over time.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 8 Focus Area What This Means in Practice Our Portfolio Disciplined risk management, underwriting, claims and investment activities — powered by scientific insight and rigorous analytics. Our People and Communities An inclusive, high-performing culture and targeted community investment that creates opportunity and strengthens resilience. Our Operations Responsible management of our direct environmental footprint and a commitment to operational efficiency and governance. Focus Areas We focus on three interconnected sustainability areas where our business model, expertise and capital can deliver meaningful, long-term impact:

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 9 United Nations Global Compact Participant Principles for Sustainable Insurance Signatory Principles for Responsible Investment Signatory United Nations Sustainable Development Goals Stakeholder Engagement Delivering on our sustainability goals requires ongoing dialogue with a range of stakeholders who depend on, or are affected by, our business. Our key stakeholder groups include clients and brokers, investors and rating agencies, employees, regulators, industry peers, academic institutions and the communities in which we operate. We use insights gathered through stakeholder engagement to refine our sustainability priorities and to ensure our actions are aligned with evolving expectations and real-world needs. This engagement is supported by: • Established governance and enterprise-wide risk management (ERM) processes • Ongoing assessment of emerging risks and opportunities • Active engagement with clients, partners, regulators and industry bodies Our Global Commitments Through our underwriting, investments and partnerships, we contribute to addressing systemic risks such as climate change, strengthening community resilience and supporting long-term economic stability. We align our efforts with the United Nations SDGs, focusing on those areas where our expertise, capital and partnerships can have the greatest impact. Our Commitments Priority SDG How We Contribute SDG 13: Climate Action We advance understanding and management of physical and transition climate risks through underwriting, research and engagement. Our proprietary risk science and data capabilities support more informed decision-making in the industry. SDG 11: Sustainable Cities and Communities We contribute to stronger, more resilient communities by enabling effective risk transfer, supporting recovery following loss events and engaging in partnerships that help reduce vulnerability and build long-term resilience. SDG 17: Partnerships for the Goals Collaboration is central to our approach. We work with industry peers, academic institutions, Non-Governmental Organizations (NGOs) and public-sector partners to develop shared solutions to systemic risks, recognizing that resilience requires collective action.

We take a disciplined approach to portfolio management, differentiating ourselves through our underwriting expertise, our focus on long-term partnerships and our ability to deliver meaningful value across market cycles. 04 Our Portfolio

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 11 Our portfolio reflects how we deploy risk, capital and expertise to support our clients and deliver long-term value across market cycles. Through disciplined risk management, underwriting, claims and investment activities, we apply our view of risk in practice, combining scientific insight, analytics and experience to navigate an increasingly complex risk landscape. Our mission is to match desirable risk with efficient capital, and our vision is to be the best underwriter. We believe this approach will generate superior risk- adjusted returns for our shareholders over the long term and enable our purpose to protect communities and enable prosperity. Our Portfolio Kevin J. O'Donnell President and Chief Executive Officer Each of our Three Drivers of Profit — Underwriting Income, Fee Income and Net Investment Income — contributed meaningfully to [our] strong results. Our strategy does not change from quarter to quarter: we manage the business to build efficient portfolios of risk that maximize profitability. What does change, however, are the tactics we employ to achieve that strategy as markets shift.” — Q2 2026 Earnings Call A trusted reinsurer for over 30 years Leadership Expertise Partnership

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 12 Risk Management We manage risk through an integrated ERM framework designed to identify, assess and respond to risks across our business. Our approach combines proprietary models, scientific research and scenario analysis to develop a differentiated view of risk, informing decision-making and supporting disciplined risk-taking over time. Climate-related risks are assessed and managed within our established risk appetite framework, consistent with our overall approach to capital adequacy and portfolio resilience. Scenario Analysis and Stress Testing We use stress testing of risk representations, reinsurance structures and capital adequacy to assess uncertainty within our models and its impact on key risk metrics. Scenario analysis is applied to assess the impact of climate-related risk on our solvency position, considering variables such as temperature rise, sea-level rise, extreme heat and precipitation across geographies and sectors. We consider climate-related risks across multiple time horizons to reflect evolving uncertainty. These analyses inform underwriting strategy, capital allocation and risk appetite. Enhancing Climate Risk Understanding Our team of scientists at RenaissanceRe Risk Sciences develop proprietary models for perils such as hurricanes, floods, wildfires and earthquakes, enhancing our ability to evaluate and price risk with precision. In practice, this meant that following the January 2025 California wildfires, where industry losses reached approximately $40 billion, our ability to rapidly update our California wildfire models to reflect an updated view of risk provided us with the confidence to continue supporting clients in the California market. Rather than retreating, our science gave us the basis to lean in where others pulled back. RenaissanceRe’s ERM framework First Line Second Line Third Line The first line consists of individual functions that deliberately assume risks on our behalf and own and manage risk within the Company on a day-to-day and business operational basis. The second line is responsible for risk oversight and also supports the first line to understand and manage risk. It is comprised of a dedicated risk team led by the Group Chief Risk Officer, who reports to the Board’s Investment and Risk Management Committee (IRMC) and the Chief Executive Officer, and a dedicated compliance team led by the Group General Counsel, who reports to the Board’s Audit Committee and the Chief Executive Officer. The third line, our Internal Audit team, reports to the Audit Committee of the Board and provides independent, objective assurance as to the assessment of the adequacy and effectiveness of our internal control systems. They also coordinate risk-based audits and compliance reviews, as well as other specific initiatives to evaluate and address risk within targeted areas of our business. In Focus: Climate Risk Science Climate-related risk is central to our business. Our scientific capabilities and catastrophe models enable us to understand the influence of climate impacts and incorporate them directly into our view of risk, giving us a differentiated perspective that supports more informed underwriting.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 13 We continuously monitor and adjust our risk management models and recently made updates to reflect emerging research, including related to wildfire, flood and convective storm risks, supporting a more refined view of risk across multiple geographies. Following the January 2025 California wildfires, RenaissanceRe updated its proprietary wildfire models to reflect new data on ignition patterns, fire spread and exposure vulnerability. Rather than reducing our appetite, this updated view gave us the analytical basis to grow our California catastrophe book in the second quarter of 2025. In addition to physical risks, we consider the potential impacts of transition-related factors, including changes in policy, regulation, technology and market dynamics, as part of our broader risk assessment. Proprietary View Informs Risk Selection RenaissanceRe Risk Sciences utilizes insight from our proprietary tools, scientific research and vendor models to form an independent view of risk across perils and regions. This view is incorporated into REMS©, our proprietary underwriting system, to evaluate deals on an individual and portfolio basis, allowing consistent pricing and risk selection across lines and platforms. Sharing Expertise to Strengthen Partnerships RenaissanceRe Risk Sciences provides customers with unique and tailored insights from initial risk assessment to live event monitoring and cutting-edge research on emerging risks. RenaissanceRe Risk Sciences also shares its knowledge to enhance community resilience, supporting the research work of the Insurance Institute for Business & Home Safety (IBHS) and providing results from our SuperEnsemble Hurricane Forecast model to the National Oceanic and Atmospheric Administration (NOAA). Our Expertise Meteorology Oceanography Climate Impacts Data Science Hydrology Structural, Wind & EQ Engineering Seismology 23 Advanced scientists, 87% with Ph.D.s* >90 Countries captured with actionable science across 8 distinct perils* 26 Years partnering with NOAA/National Hurricane Center (NHC) and sharing information on tropical cyclone risk 21 Our scientists’ average number of years of industry experience* Craig Tillman Chair and President RenaissanceRe Risk Sciences Understanding climate and natural hazard risk is essential for our industry. Our risk sciences team provides the analytical depth we need to navigate a changing risk landscape with confidence and responsibility.” * Data as of January 1, 2026.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 14 Technology-Enabled Risk Insight We develop our own view of risk through our REMS© exposure management system, whichallows us to generate differentiated risk distributions and incorporate perils and exposures that may not be fully captured in commercially available models. This platform connects our scientific research, underwriting and portfolio management processes, enabling consistent and data-driven decision- making across the organization. It also allows our underwriters to test how individual transactions affect portfolio risk in real time, supporting more informed decisions on pricing, capacity and risk selection. Underwriting Our Underwriting Approach Underwriting is where our view of risk is applied in practice. We aim to construct diversified portfolios and deploy capital with discipline to maximize risk-adjusted returns across market cycles. Our approach integrates risk selection, portfolio construction and capital allocation within a consistent framework, actively managing exposures to maintain balance across perils, regions and counterparties. Climate-related risks, including physical, transition and liability risks, are incorporated into underwriting through models, analytics and scientific research. These insights inform how we assess exposures, structure programs and price risk. Decisions are guided by defined risk tolerances and portfolio constraints, supporting disciplined capital deployment. RenaissanceRe’s underwriting approach does not typically rely on broad, sector-wide underwriting exclusions. Instead, risks are assessed on a case- by-case basis, informed by scientific analysis, underwriting discipline and portfolio considerations. We believe this approach supports a considered and analytically grounded approach to risk selection while enabling us to engage with clients on evolving sustainability risks, including those associated with the transition to a lower carbon economy. Through disciplined underwriting, we aim to manage the cycle and allocate our capital to the business that will generate the best returns. Portfolio construction is a continuous process that has been bolstered by our ability to participate broadly across our clients’ portfolios. We aim to be a provider of first choice and a trusted partner to our customers to help them manage their risk across portfolios and market cycles. In Focus: Underwriting Our underwriting is powered by proprietary risk science — combining data, modeling and engineering expertise to better understand and price complex risks. Our integrated platform enables us to match risk with the most efficient form of capital, deploying both our own balance sheet and third-party capital.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 15 Developing Innovative Risk Solutions Beyond our core underwriting portfolio, we apply our expertise and capital to develop innovative risk solutions that expand access to protection and strengthen resilience. By combining underwriting discipline, scientific insight and flexible capital structures, we help clients and communities manage climate-related risks and adapt to a changing environment. Climate-Focused Innovation We support the development of innovative insurance solutions that address the growing impacts of climate variability and environmental change. We provide underwriting capacity and expertise to solutions designed to protect businesses, vulnerable populations and natural ecosystems against weather and climate volatility. These solutions support adaptation and align with broader sustainability objectives. Parametric Solutions RenaissanceRe supports the development of parametric insurance solutions that provide rapid and transparent financial support following climate-related events. Unlike traditional indemnity-based models, parametric products pay out based on pre-defined triggers, enabling faster, more predictable recovery for affected communities. Through partnerships with multilateral and public-sector initiatives, we provide underwriting capacity and expertise to data-driven risk transfer solutions designed to accelerate recovery following climate-related disasters. In Focus: Strategic Approach Our mission is to match risk with the most efficient form of capital, deploying both our own balance sheet and third-party capital to enhance returns while maintaining discipline. SPOTLIGHT Carbon Market Innovation: Kita Partnership RenaissanceRe is one of the leading underwriters partnering with Kita, a London-based carbon insurance specialist that bridges the insurance and carbon markets. Kita offers a bespoke portfolio of carbon insurance products, protecting investors against loss of carbon credits arising from risks such as natural catastrophes, fraud, changing carbon standards and political risks. By participating as an underwriter in this emerging market, RenaissanceRe is helping to build investor confidence in carbon removal projects, a critical enabler for scaling private investment in nature-based and technology-based carbon removal solutions.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 16 Capital and Risk Transfer Innovation We support the development of innovative risk transfer structures that enhance the efficiency and accessibility of insurance markets. This includes providing underwriting capacity and expertise across a range of capital- based solutions, including insurance- linked securities (ILS) which enable the efficient transfer of catastrophe risk to global capital markets, and increasing the overall capacity available to absorb climate-related risks. Partnerships in Action We work with global organizations to design and scale risk solutions that support resilience and rapid response: • International Federation of Red Cross and Red Crescent Societies — We provide underwriting capacity to support rapid financial response following natural disasters or epidemic outbreaks, enabled by data-driven parametric triggers. • Essential Consortium (Parsyl's Syndicate 1796) — We support this mission-driven syndicate focused on improving access to insurance in underserved markets. In Focus: Risk Solutions We use our underwriting expertise and capital not only to manage risk, but to expand the boundaries of insurability, enabling protection where it is most needed and contributing to more resilient communities and economies. SPOTLIGHT Catastrophe Bonds Through RenaissanceRe Medici Fund Ltd. and RenaissanceRe Medici UCITS Fund, a sub-fund of RenaissanceRe Medici ICAV, we demonstrate our leadership in catastrophe bonds and our ability to structure efficient risk transfer solutions. By connecting investors with catastrophe risk, the fund enhances market capacity and supports a more resilient insurance ecosystem.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 17 Claims Claims are where our underwriting promise is realized in practice. Our claims function is central to how we deliver on our value proposition, providing timely, transparent and professional support to clients when it matters most: • We have paid over $35B in claims since our inception. • We have built a reputation for being there for our clients when it matters most. • We respond to claims with respect, responsiveness and transparency. Claims Insights Insights from claims experience are systematically fed back into our underwriting and risk modeling processes, supporting continuous improvement in how we assess and price risk. This feedback loop strengthens our understanding of emerging risks, including climate- related trends, and supports more informed underwriting and portfolio management decisions. SPOTLIGHT Hurricane Response Hurricane Melissa made landfall in Jamaica on October 28, 2025, as a Category 5 storm with reported maximum sustained winds of 185 mph, the strongest hurricane to strike the island since records began in 1851, and one of the most powerful Atlantic landfalls ever recorded. It knocked out power and telecommunications for approximately 75% of the island. Industry insured losses were estimated to be between $3 and $5 billion; and economic losses threatened to exceed Jamaica's entire GDP of approximately $20 billion. RenaissanceRe's proprietary models incorporated Jamaica's exposure profile. We provided timely payments to clients, supporting their liquidity at the moment it mattered most. The insights from the event were simultaneously fed back into our hazard models, helping to refine our view of risk for future underwriting cycles. This integrated approach, from modeling to claims, supports continuous improvement in how we assess, price and manage climate-related risks. Peter McLoughlin Group Head of Claims Our reputation is built on our promise to be there for our clients when they need us most. We operate with integrity and understanding, delivering consistent, reliable service while evaluating, analyzing and paying claims as a matter of priority.” Peter McLoughlin SVP, Group Head of Claims Our reputation is built on our promise to be there for our clients when they need us most. We operate with integrity and understanding, delivering consistent, reliable service while evaluating, analyzing and paying claims as a matter of priority.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 18 RenaissanceRe Client Analytics Our RenaissanceRe Client Analytics team focuses on delivering leadership and expertise in vendor modeling and client exposure analyses, helping us better understand our clients’ exposure at risk, while leveraging technology to enhance these insights. Our integrated approach supports more effective risk transfer and helps clients navigate an increasingly In Focus: complex risk landscape. Client Partnerships We believe our scale, relationships and expertise make us a preferred partner for clients, giving us access to high-quality risks and enabling more selective underwriting. We go beyond risk transfer to help clients genuinely understand and manage their exposures. Supporting Clients We connect scientific research, analytics and underwriting expertise to help clients translate risk insight into practical decisions. Our clients have access to our scientific capabilities and risk intelligence, enabling deeper understanding of evolving exposures and emerging risks. RenaissanceRe Risk Sciences In 2025, our RenaissanceRe Risk Sciences-supported analysis helped clients reassess flood and wildfire exposures in regions facing compound climate risks, informing program structure, pricing and risk mitigation strategies. We publish client-facing insights, including: 2026 Atlantic Hurricane Seasonal Outlook May 2026 Produced by the team at RenaissanceRe Risk Sciences. renre.com A Super El Niño? ENSO Outlook: Second Half of 2026 June 2026 Produced by the team at RenaissanceRe Risk Sciences. renre.com Produced by the team at RenaissanceRe Risk Sciences California Wildfire Outlook for 2026 Season July 2026 The Effect of Climate Change on Extreme Weather Events in Europe June 2025 Produced by the team at RenaissanceRe Risk Sciences. A Super El Niño? ENSO Outlook: Second Half of 2026 California Wildfire Outlook for 2026 Season The Effect of Climate Change on Extreme Weather Events in Europe 2026 Atlantic Hurricane Seasonal Outlook

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 19 In Focus: Investment Float Our underwriting portfolio, primarily our casualty and specialty segment, generates long-duration reserves that create investment "float", a structural advantage that we view as supporting consistent income and enhancing overall returns. Investments We structure our investment portfolio to emphasize the preservation of capital and the availability of liquidity to meet our claims obligations; to be well diversified across market sectors; and to generate relatively attractive returns on a risk- adjusted basis over time. We integrate ESG considerations into our investment process to support portfolio resilience and sustainable value creation. Investment Approach and Governance The IRMC is responsible for overseeing our investment strategies, performance and risk management; reviewing management procedures to develop investment strategies and risk limits and monitoring adherence to those guidelines; and reviewing and monitoring investment manager and investor portfolio performance. We have integrated climate-related considerations in our investment approach to support disciplined risk management and long-term portfolio resilience. 'A' 73% 97% We have calculated that the overall MSCI ESG rating for our investment portfolio is 'A' as of December 31, 2025. Carbon intensity reduction in corporate credit and listed equity portfolios, from our baseline, December 31, 2020, to December 31, 2025, as measured by MSCI. Of external managers are PRI signatories as of December 31, 2025. As a signatory to the UN Principles for Responsible Investment (UN PRI), we promote responsible investment practices across our internal processes and in our engagement with external asset managers. Responsible Investment Policy

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 20 Sustainability considerations are also embedded in the selection and oversight of third-party asset managers. These insights inform asset allocation, manager selection and portfolio construction decisions. Responsible Investment Guidelines Exclusions We apply rules-based exclusions to our investment portfolio where our analyses and judgment determine there are material downside risks related to ESG. As such, our investment guidelines currently provide for the elimination of direct investments in: • companies that are classified as ‘CCC’ ESG Laggards under the MSCI methodology; • companies that derive more than 10% of revenues from thermal coal; and • corporates that have a relatively high carbon intensity as measured by MSCI. diversification into lower carbon securities and the removal of more carbon intensive holdings, supported by improved real time transparency into our exposures. We continue to evaluate opportunities that deliver positive environmental or social outcomes, consistent with our responsible investing approach and our long term investment objectives. Third-Party Manager Selection/Mandate Setting When we engage a third-party investment manager, we generally consider the following topics: • ESG strategy and oversight (including UN PRI membership) • ESG integration and analysis • ESG governance and engagement • Climate change risk oversight (including reporting against the TCFD) • Commitment to diversity, equity and inclusion Climate and Sustainability Considerations in Our Investment Portfolio We have continued to strengthen the consideration of ESG factors within our investment portfolio. As of December 31, 2025, we achieved a 73% reduction in the carbon intensity of our corporate credit and equity portfolios against our 2020 baseline year, as measured by MSCI. This progress reflects increased Sean Brosnan SVP, Chief Investment Officer Looking at sustainability factors alongside traditional analysis helps broaden our understanding of long-term opportunities and risks.” Adrian Doyle SVP, Managing Director Investments Considering climate trends, governance quality and wider societal developments supports thoughtful investment decisions and a resilient portfolio.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 21 Evolving our Investing Approach Looking ahead, we plan to continue to refine our processes to ensure our investment portfolio remains resilient, well governed and aligned with the evolving risk landscape. We expect to continue deepening our understanding of how sustainability factors may influence different asset classes, sectors and investment strategies. ESG training is provided for our investments professionals annually. Building ESG Capability We provide specialized ESG training to our investment team annually, which may cover topics including emerging ESG trends, climate-related developments, governance practices and evolving regulatory expectations. This helps our team integrate sustainability considerations into our investment approach consistently and effectively. We also monitor developments in areas such as renewable infrastructure, transition-focused instruments and other solutions that may contribute to broader economic resilience. These efforts are designed to help ensure we remain well positioned to identify opportunities that align with our investment objectives and that support our broader sustainability strategy.

05 Our Partnerships Through long-term partnerships and collaboration with industry, scientific and mitigation organizations, RenaissanceRe shares expertise, helps inform policy and climate resilience decision-making, and expands the reach of risk transfer benefits to communities around the globe.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 23 Our Partnerships In 2025, we deepened our academic research partnerships by joining two National Science Foundation-funded Industry University Cooperative Research Centers: Center for Interdisciplinary Research on Convective Storms — advancing the scientific understanding of convective storm impacts on society and the economy. Severe convective storms generated a reported approximately $51 billion in insured losses globally in 2025, making this one of the most consequential growing perils for the industry. Wildfire Interdisciplinary Research Center — conducting high- impact interdisciplinary wildfire research to help the world manage a growing crisis of increasing wildfire frequency and intensity. The January 2025 California wildfires alone generated a reported approximately $40 billion in insured losses, a record for the peril. These memberships give us preferred access to emerging research and data, directly informing how we model and price two of the fastest-growing catastrophe perils. Many of the challenges associated with climate and disaster risk require collective action. We collaborate with industry, public-sector and academic partners to improve risk understanding and strengthen global resilience frameworks, translating insight into practical outcomes for clients and communities. Climate Expertise We contribute to global efforts to strengthen climate and disaster resilience through active participation in industry initiatives. Our approach combines technical expertise, scientific research and collaboration across industry and academia to improve the quality, availability and application of risk data. In 2025, we contributed to initiatives including: • World Economic Forum — research on extreme heat and wildfire risk • Geneva Association — research on strengthening insurance resilience • Insurance Development Forum (IDF) — risk modeling and open data standards • IBHS— research on building performance, loss mitigation and wildfire resilience, with Craig Tillman serving on the IBHS Board and Research Advisory Council • ClimateWise/Cambridge Institute for Sustainability Leadership — chaired the Industry Advisory Committee and Managing Committee SPOTLIGHT IDF Open Risk Modelling Initiative RenaissanceRe is a founding industry member of the IDF and co-chair of the Risk Modelling Steering Group focused on advocating and developing free, open-access risk modeling tools. These tools — includingthe Oasis Risk Explorer, the Global Exposure Model, CatRiskTools and the Resilient Planet Data Hub — are designed to improve global understanding of climate and disaster risk. This commitment builds on RenaissanceRe's long-standing role in open risk analytics. We are a founding member of the Oasis Loss Modelling Framework (Oasis) in 2012, which was created to support broader access to catastrophe modeling across new models and markets. We have held a board seat in Oasis for over a decade and continue to co-chair key workstreams through the IDF Risk Modelling Steering Group. Jeff Manson SVP, Head of Global Public Sector Partnership We focus on partnerships that translate insight into action, advancing resilience, expanding access to risk transfer and supporting the long-term stability of the markets we serve.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 24 Our partnerships with global scientific and mitigation organizations enhance our risk intelligence, and include: • Earthquake Engineering Research Institute • Florida Coastal Monitoring Program • IBHS • NHC • NOAA • Pacific Earthquake Engineering Research Center • Risk Management Center at the Wharton School, University of Pennsylvania • University of Rhode Island, Graduate School of Oceanography Our Expertise Our SuperEnsemble Hurricane Forecast model is noted in NHC verification reports as a top-performing model, and our collaboration with the NOAA/NHC spans two decades. RenaissanceRe Risk Sciences’ proprietary research and applications spanning tropical cyclone, wildfire, flood, seismic and severe convective storm risk help us support our clients, our partners and the global community in the management of these critical perils. Nature, Ecosystem Resilience and Risk Healthy natural systems can play an important role in reducing physical risk and the impacts of natural catastrophes. Forests, wetlands, coastal ecosystems and other forms of natural infrastructure can influence flood dynamics, wildfire RenaissanceRe also maintains research collaborations with NOAA, the Reinsurance Association of America (RAA), the National Science Foundation and others. These efforts strengthen global risk infrastructure and improve resilience outcomes. behavior, storm surge impacts and long-term community resilience. RenaissanceRe’s direct operational impact on biodiversity is limited, given our status as an office-based financial services company. However, we recognize that biodiversity loss is an interconnected and systemic risk that has direct relevance to our underwriting portfolio — including the loss of natural barriers such as wetlands and forests that provide protection against flooding, storm surge and erosion. As a reinsurer, our primary role is to understand and quantify risk. We continue to deepen our understanding of how environmental change, land use and ecosystem degradation may influence catastrophe risk over time, particularly for perils such as wildfire, flood and severe convective storm. Through RenaissanceRe Risk Sciences and our industry partnerships, in particular our participation in ClimateWise, we support research, data development and risk analytics that improve understanding of the relationship between natural systems and disaster resilience. This includes engagement with organizations focused on wildfire resilience, open risk modeling and climate adaptation. We have also supported selected community initiatives that contribute to ecosystem restoration and resilience, including urban greening and micro-forest projects in Bermuda. While methodologies and data in this area continue to evolve, we believe that improving understanding of nature- related risk will become increasingly important to strengthening long-term resilience for communities, economies and insurance markets. Climate Resilience and Nature We engage with biodiversity as a business issue and as a matter of corporate citizenship through our support for nature-based projects and community conservation initiatives. Our project portfolio includes afforestation and reforestation initiatives across Chile, Colombia, Ghana and East Africa, alongside forest conservation efforts such as REDD+ projects in Sierra Leone. Andrew Dhesi SVP, Head of Group Property Modeling RenaissanceRe has long supported open risk analytics because better access to risk information helps communities, businesses and markets build resilience to climate and disaster risk.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 25 Industry Collaboration Through participation in ClimateWise, we work with peers and partners to promote sustainable underwriting practices that align with the United Nations Environment Programme Finance Initiative Principles for Sustainable Insurance, contributing to the industry's transition toward a more sustainable future. In April 2026, Ian Branagan assumed the role of co-chair of the ClimateWise Insurance Advisory Council. RenaissanceRe has provided leadership to ClimateWise for several years, reflecting our belief that the transition to a resilient insurance sector requires consistent, sustained industry collaboration. Within the RAA, Craig Tillman chairs the Extreme Events Committee, shaping industry research priorities on natural catastrophe risk. This committee plays a direct role in advancing best practices in catastrophe risk modeling, data standards and underwriting across the U.S. market. Initiative 2025 Contribution Insurance Development Forum RenaissanceRe co-chairs the Risk Modelling Steering Group, in addition to supporting the coordination of the Global Risk Modelling Alliance — a consortium of major brokers, reinsurers and development finance institutions to advance open-source modeling, open data standards and risk analytics access in emerging markets. Global Disaster Resilience Vehicle RenaissanceRe has provided peril-model advice to support delivery of sovereign and sub-sovereign resilience solutions. Global Earthquake Model (GEM) As a private sector sponsor, RenaissanceRe holds an advisory board seat. GEM hazard, fragility and exposure datasets are integrated into our underwriting workflows, strengthening our earthquake risk modeling across 14 active public sector projects in 13 countries. The Institutes Catastrophe Resiliency Council RenaissanceRe co-chairs the Catastrophe Resiliency Council, supporting open data standards and promoting interoperability and transparency. Global Exposure Database (Oasis/GEM) Development of a new database improving risk analytics for both public and private stakeholders. Closing the Protection Gap We support partnerships that expand access to insurance and strengthen the tools needed to deliver it. These efforts help expand the reach of risk transfer and deliver practical resilience benefits to communities worldwide. In 2025, highlights included: Ian Branagan SVP, Innovation ClimateWise plays an important role in convening the insurance industry to respond to the increasing risks of climate change through innovative research, robust data collection and practical collaboration. I am proud to co-chair the ClimateWise Insurance Advisory Council and look forward to working alongside our membership in support of a more sustainable future."

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 27 Our business is built on expertise. Across underwriting, risk sciences, claims, investments and client analytics, our teams combine scientific, technical and commercial expertise to support disciplined decision-making and long-term portfolio resilience. Our People We believe our ability to attract, develop and retain highly skilled talent is a key competitive advantage. Our workforce includes specialists across meteorology, engineering, actuarial science, data analytics, portfolio management and catastrophe risk modeling, enabling differentiated insights and strengthening our understanding of evolving risks across geographies and perils. In Focus: People and Culture We manage our business with a long-term perspective, investing in our people and culture to sustain underwriting excellence and deliver consistent performance over time.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 28 Office Locations

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 29 Workforce Profile Gender Diversity We employ 1,040 people across our global operations, representing 48 nationalities (as of February 6, 2026), which reflects the international composition of our organization. Overall Population Senior Leadership** Workforce Data 596 Women accounted for 43% (444 employees) of the total workforce, while men represented Men 57% (596 employees). In Senior Leadership, women held 44 of 166 positions (27%), 122 compared with 122 positions held by men (73%). 444 Men Women 212 169 Men 10 43 44 Women Women Men Women 2017 2025* 2017 2025* 2025 Population by Generations and Gender Baby Boomers 49 Employees Generation X 347 Employees Millennials 454 Employees Generation Z 190 Employees (1946-1964) (1965-1980) (1981-1995) (1996-2015) 56% 56% 53% | Men | Men | | Women | 47% | 61% | % | % | | Men | 44 | 44 | Men Women Women 39% Women * Figures are as of February 6, 2026 and 2017 figures are as at December 31, 2017. The figures represent full-time and part-time employees (including individuals engaged by RenaissanceRe on a fixed-term basis). We compile diversity data using the self-identification method, where we ask our employees to self-identify information like their gender, age and nationality. ** Senior Leadership refers to individuals holding positions of Senior Vice President (SVP) and above. For Board diversity figures, please refer to our most recent proxy statement.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 30 Fostering Inclusive Practices We are committed to fostering an environment where employees feel a sense of belonging and are empowered to contribute to our shared success. By embracing diverse perspectives, we believe we strengthen decision-making and enhance our ability to serve clients and communities effectively. We believe diverse perspectives strengthen analytical thinking, challenge assumptions and improve decision- making across our business, supporting innovation and enhancing our ability to serve clients and communities globally. We promote inclusive hiring, equitable advancement and physical and digital accessibility. Our approach is underpinned by our core values — Focus, Respect, Integrity, Precision and Passion — which guide how we work together and make decisions. We monitor workforce composition and leadership diversity using metrics, employee feedback and external benchmarks, including the Lloyd's culture survey and organization-wide engagement surveys, to assess progress and inform our approach. Inclusive culture, teams and communities — we focus our efforts in three key areas: Our Corporate Values Focus Filtering inputs to avoid distraction, in order to concentrate on tasks that lead to the accomplishment of an overall goal. Respect Treating all of our stakeholders with a genuine sense of worth for their person. Integrity Maintaining an approach to all dealings that is upright, honest and morally sound. Precision Having the ability and spending the time to produce results that are accurate and thorough, tempered with practicality. Passion Undertaking action fueled by conviction, excitement and enthusiasm. Individual Supporting and developing talent. Teams Empowering diverse, inclusive and high-performing teams. Communities Building stronger communities.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 31 Governance and Accountability We are committed to a workplace free from discrimination and to maintaining high standards of conduct across our operations. This is reflected in our Code of Ethics and Conductand supported through training and awareness programs. Accessibility and Inclusive Design We aim to ensure that our workplaces and systems are accessible and support full participation. This includes both our physical office environments and the digital platforms our employees use every day. We review our facilities and technology on an ongoing basis to identify and address barriers. Hallmarks of our business and a reason for our success: SPOTLIGHT Dublin Office — Universal Design RenaissanceRe’s Dublin office was designed in line with Universal Design principles, reflecting our commitment to accessibility, inclusion and wellbeing. Features include step-free access, adjustable workstations, braille signage, acoustic treatments, induction loops and dedicated quiet and wellness spaces. These elements support a wide range of mobility, sensory and neurodiversity needs. Caroline Pisani AVP, Office Manager & Workplace Services Lead, Dublin Accessibility is built into the design of the Dublin office — from how people move through the space to how they focus, collaborate and recharge throughout the day.” Collaboration We work together to help solve some of the world’s most complicated risk problems, and we encourage debate and teamwork to reach the best decisions. Innovation Innovation is integral to how we operate as an organization. Our corporate culture welcomes new ways of thinking and diverse viewpoints, and we believe in empowering employees to contribute ideas and develop forward-minded solutions. Empowerment Our work environment is both challenging and rewarding. We take ownership of our work and accountability for our decisions, and there is a strong culture of respect for the contributions that each person makes to the company.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 32 such as the Manager Mindset Program strengthen leadership capability and collaboration across the organization. Industry Expertise and Professional Development We partner with industry organizations, including the RAA, Lloyd’s Market Association, Chartered Insurance Institute and Better Insurance Network, to provide access to specialized training, certifications and professional qualifications. These partnerships support technical excellence and reinforce our position as a leader in risk and reinsurance. Measuring Progress We assess the effectiveness of our talent programs through metrics such as participation, retention and internal mobility. These measures inform ongoing investment in our people and help us identify where further support is needed. Workforce Wellbeing We support employee wellbeing through a range of initiatives designed to promote physical, mental and financial health. Benefits and Support Our benefits include paid leave for primary carers, parental leave, wellness days and access to mental health support through our Employee Assistance Program. Employees also have access to the Headspace app and participate in global mental health awareness initiatives. Wellbeing We offer wellbeing programs including gym support. These initiatives support work-life balance and sustained performance. We also support sustainable living through initiatives such as the UK electric vehicle salary sacrifice scheme. Health, Safety and Human Rights We maintain health and safety policies across all offices, aligned with local regulations and industry best practices. As a participant in the United Nations Global Compact, we align our operations with principles on human rights, labor, environment and anti-corruption, and we extend these expectations to suppliers through our Code of Vendor Conduct and Human and Labor Rights Policy. Measuring Wellbeing Impact We monitor participation in wellbeing programs and employee engagement to assess effectiveness and inform continuous improvement. Industry Engagement As a Global Sponsor of the Dive In Festival, the insurance industry’s leading culture and talent event, RenaissanceRe supported several initiatives in 2025 focused on building inclusive workplaces that drive engagement, innovation and sustained performance. Dive In Initiatives Belonging and the Power of Trust Zurich Designing Inclusion: Accessibility, Equity & Impact Dublin From Tokenism to True Inclusion: Building Authentic Cultures New York Developing and Retaining Talent at RenaissanceRe We invest in career development, performance management and leadership pathways to support continuous growth across the organization. We aim to attract, motivate and retain talent by aligning performance management with compensation and benefits. Learning and Development Our global learning framework provides structured career pathways and access to instructor-led programs, professional certifications, on-demand learning and digital platforms such as Coursera, supporting development across roles and career stages. We invest in technical, analytical and leadership capabilities across underwriting, risk sciences, claims, investments and client analytics, strengthening expertise, collaboration and decision-making across our business. Leadership Development We support leadership development through targeted programs, mentorship and succession planning. Initiatives Ariel Droesch VP, Global Head of Learning & Development In a business built on expertise, continuous learning is essential. By providing access to training, industry knowledge and leadership development, we are investing in the capabilities that will define our future.”

We focus on responsible decision-making in relation to our operational efficiency and our environmental footprint. Oversight of environmental performance is integrated into our broader risk management and governance structures.

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RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 34 Our Operations Our direct environmental footprint arises from our office operations. It is small relative to the environmental significance of our underwriting and investment activity. Our focus is on energy use in our offices and emissions from business travel, the two largest components. | Environmental Impact | 2019 | | Since 2019, we have measured and | (Baseline Year) | 2024 | 2025 | | managed greenhouse gas (GHG) | Scope 1 (tCO2e) | 47 | 92 | 100 | | emissions, energy use and resource consumption across our global footprint. | Scope 2 (location-based) (tCO2e) | 1,804 | 1,218 | 1,045 | | Oversight of environmental performance | | is integrated into our broader risk | | Scope 2 (market-based) (tCO2e) | 1,412 | 963 | 875 | | management and governance structures. | | We track Scope 1, Scope 2 and relevant | Scope 3 (tCO2e) | 16,671 | 12,866 | 11,915 | | Scope 3 emissions in line with the GHG | | Protocol. In 2023, we adopted a third- | Total Emissions (location-based) (tCO2e) | 18,522 | 14,176 | 13,059 | | party environmental data platform to | | improve the accuracy and efficiency | Total Emissions (market-based) (tCO2e) | 18,024 | 13,921 | 12,889 | | of our reporting. | | Liquid Fuel Consumption (company vessels and backup generator)/liters | 5,350 | 9,022 | 18,724 | | Energy Consumption — Offices (electricity and gas in offices)/MWh | 3,016 | 3,240 | 2,946 | | Energy Consumption — Data Centers (electricity in data centers)/MWh | 1,259 | 835 | 837 | | Emissions (location-based) per headcount (tCO2e)/headcount | 36 | 15 | 13 | | Total Location-Based Emissions (tCO2e)/$million revenue | 4.41 | 1.21 | 1.02 | | Total Location-Based Emissions (tCO2e)/$million GPW | 3.85 | 1.21 | 1.11 | The emissions and consumption figures provided represent RenaissanceRe’s best estimates for the periods presented. These estimates are based on the availability of data and existing methodologies and may change. Figures may not sum due to rounding.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 35 2025 Location-Based Emissions by Source Scope 1 Scope 2 Scope 3: Business Travel* Scope 3: Employee Commuting** Scope 3: Fuel and Energy*** Scope 3: Waste Year-on-year changes reflect both efficiency actions and evolving office utilization patterns, including post- pandemic normalization of travel and occupancy. For detailed GHG emissions data and year-on-year trends, please refer to our most recent ClimateWise Report. Energy and Emissions Management Since our baseline year, 2019, we have reduced our absolute location-based GHG emissions by approximately 29%, from 18,522 tCO2e to 13,059 tCO2e in 2025. This reflects improved energy efficiency, changes in office utilization and greater visibility into emissions through enhanced data systems. Over the same period, emissions per employee have fallen from 36 tCO2e to 13 tCO2e, a reduction of approximately 65%. Where available, we aim to procure electricity from renewable sources, with our London and Zurich offices using 100% renewable electricity. We also seek to improve understanding of Scope 3 emissions through our responsible sourcing approach. 0 1,750 3,500 5,250 7,000 8,750 10,500 AmericasAMER Asia PacificAPAC EuropeEMEA * Emissions from business travel include emissions from air travel, rail travel, bus travel and automobile travel. ** Emissions from employee commuting is approximate and represents a calculation of the emissions from the Company’s employee population using an estimate, by jurisdiction, of the emissions generated by such employee working from home one day a week. ***Emissions from fuel- and energy-related activities not included in Scopes 1 and 2 include upstream emissions of purchased marine fuels, electricity, liquid fuels and gas and the transmission and distribution losses. Americas: Bermuda, Canada, United States. Asia Pacific: Australia, Singapore. Europe: Ireland, Switzerland, United Kingdom.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 36 Green Buildings and Real Estate Footprint RenaissanceRe operates from leased offices across its global network and does not own significant real estate assets. Our approach to environmental performance in our physical footprint includes aspirations towards: • prioritizing buildings with strong environmental credentials, such as LEED, BREEAM or equivalent certifications; • engaging landlords on energy and water performance, waste management and renewable electricity availability; • right-sizing office footprint as working patterns evolve; and • applying consistent environmental standards across office locations, adapted to local context and building type. SPOTLIGHT London Office Refurbishment Our London office refurbishment in 2025 incorporated a number of sustainability-focused practices. Existing desks were reused during the fit-out, and new furniture was selected with a focus on recyclability and local sourcing. We also partnered with The Glasshouse, a local social enterprise supporting women in UK prisons through horticultural training, to provide office planting. In addition, all the lighting was upgraded to LEDs to improve energy efficiency. Eri Tsukuda AVP, Head of Facilities & Administration — Europe We are proud that our recent office refurbishment reflects our commitment to sustainability, incorporating energy-efficient systems, responsible materials and improved waste management to reduce our environmental impact.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 37 Operational Excellence and Resilience Digital and Technology Efficiency We manage operational efficiency and reduce environmental impact through responsible technology practices. These may include extending the lifecycle of IT assets, donating decommissioned equipment to local schools where appropriate and using cloud computing to improve efficiency. We may also apply practical measures such as centrally configured power settings, energy-efficient monitors, reduced printer usage, secure reuse or recycling of devices, and digital contracts and invoice processes. Cybersecurity and Data Protection Cyber resilience is an important part of our operational risk management, supporting business continuity and the protection of client and company data. Protecting the data entrusted to us, and the systems that underpin our business, is a priority. We maintain a cybersecurity framework designed to identify, assess and manage risks across our technology environment. Our information security program is designed to meet or exceed industry best practices and is integrated into our broader ERM framework. This includes ongoing monitoring, employee training, incident response planning and alignment with recognized industry standards. Our Board is responsible for overseeing ERM and is actively involved in the monitoring of risks that could affect us, including cybersecurity risks. Responsible Supply Chain We recognize that our environmental impact extends beyond our own operations to include the suppliers and service providers on whom we depend. Our Code of Vendor Conduct sets out expectations on environmental matters, including compliance with applicable laws and regulations, responsible resource use and transparency in environmental performance. As part of our procurement process, we collect and review supplier information to assess potential risks, support due diligence and meet regulatory obligations. We also provide internal guidance and tools to support the integration of sustainability considerations into purchasing decisions. Building Sustainability Capability We embed sustainability into our operations through training, employee engagement and integration into decision-making processes. Specialized sustainability training is provided to key decision-makers, including those in investments, Capital Partners and senior leadership. Our employees also have access to our “Sustainability for Insurers” e-learning program, which provides practical insights into how sustainability applies to the insurance industry and day-to-day roles. Our Corporate Social Responsibility (CSR) Committee supports awareness and engagement through initiatives that promote sustainable practices and employee participation.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 39 We invest in initiatives that expand opportunity and strengthen resilience, particularly in areas aligned with our expertise in risk and reinsurance. Our Communities Habitat for Humanity Miami NOSH Delivers Food Pantry New York Trunk Island Conservation Project Bermuda Governance and Local Alignment Our Global CSR Committee sets strategy, with local CSR Committees tailoring initiatives to regional needs and opportunities. Over 75% of our annual giving is employee-directed, supported through volunteer days and a matching program, enabling employees to contribute to causes that matter in their communities. Charitable Organizations Supported Globally through Corporate Grants and Employee Matching Employee Volunteer Days Contributed Percentage of Annual Giving Directed by Employees ~500 1,275 75% As of December 31, 2025. Over

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 40 Strategic Community Investment In 2025, we financially supported approximately 500 charitable organizations and committed 1,275 employee volunteer days to community programs and charitable organizations. Employees are provided with two days annually to volunteer their time and expertise. This combination of financial support and direct engagement allows us to contribute in ways that are practical and locally relevant. SPOTLIGHT Bermuda Micro Forests Project RenaissanceRe is a founding partner of the Bermuda Zoological Society’s Micro Forest Project, which we helped establish in November 2021. The project supports the creation of dense, native forests across Bermuda. In 2025, employee volunteers helped restore Admiralty Park by removing invasive species and planting native vegetation, contributing to local biodiversity and community resilience. Partnerships and Educational Initiatives Our community programs include internships, apprenticeships and scholarships focused on expanding access to education and careers in insurance. Key initiatives include: • RenaissanceRe Undergraduate Scholarship (Bermuda): Providing up to $25,000 per year for four years, awarded based on academic achievement, leadership and community engagement. • Reboot Program (Dublin): Supporting career re-entry and skills development in the local community. • UK Apprenticeship Scheme: Creating structured pathways into insurance careers for school leavers and early- career individuals. Our 2025 scholarship recipients are Jessica Bucher (left) and Esi Naylor (right).

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 41 We also support initiatives such as the Bermuda Underwater Exploration Institute's Youth Climate Summit, engaging students on climate resilience and sustainability — investing in the next generation of climate leaders. Measuring Impact We assess impact through beneficiary feedback and program outcomes, tracking metrics including total investment, volunteer participation, beneficiaries supported and individuals supported through education and employment programs.

09 Our Governance Strong governance is central to our operations and builds stakeholder trust. Board oversight, a robust governance framework and associated processes and policies help ensure rigorous compliance, sound decision- making, and clear accountability across the organization.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 43 Disclosure Documents For further insights into our governance practices, please review our disclosure documents. They provide detailed information on our Board composition, executive compensation, risk management, climate-related financial disclosure, climate-related responsibilities and other key areas, reflecting our commitment to transparency and accountability. • 2025 Annual Report and Form 10-K • 2026 Proxy Statement • 2026 ClimateWise Report At RenaissanceRe, we recognize that effective governance is essential to maintaining the trust and confidence of our stakeholders. Our governance framework and processes are designed to support robust risk management, regulatory compliance and well-informed decision-making, while our policies set out clear expectations for responsibility and accountability. Our Board, supported by its committees, oversees sustainability-related risks and opportunities, including climate-related financial risks. Our Governance In Focus: Governance Our governance framework enables disciplined decision- making and long-term thinking, helping to ensure alignment between strategy, risk management and shareholder value. Resilience Forum Strategic resilience is one of the ways we deliver our corporate purpose across the organization. Our Strategic Resilience Forum supports this and helps ensure we focus on the most strategically aligned and impactful narratives and partnerships. Shannon Bender EVP, Group General Counsel and Corporate Secretary As a company, we recognize that strong governance is essential to long-term resilience. That means clear rules, well-defined responsibilities and a culture where integrity and accountability guide every decision.”

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 44 Our Governance Documents For more insights into our practices, sustainability governance, environmental commitments, climate-related financial disclosure and other key areas, please review our disclosure documents. They reflect our commitment to transparency and accountability, offering valuable information about our operations. • Code of Ethics and Conduct • Corporate Governance Guidelines • Environmental Policy • Responsible Investment Policy • Modern Slavery Statement • Code of Vendor Conduct • Human and Labor Rights Policy • Occupational Health and Safety Policy • Equal Opportunities Statement Business Ethics and Anti-Corruption We tailor our compliance training for all employees to meet the specific needs of each role and business unit. The program covers a wide range of topics, including anti-bribery and corruption, data privacy and conflicts of interest. Compliance training was completed by 100% of eligible employees in 2025. Our Whistleblowing Policy encourages employees to raise any questions or concerns related to potential accounting, financial reporting, regulatory issues or other unlawful or inappropriate conduct. This governance framework supports disciplined decision-making in an increasingly complex risk environment. Sustainability Governance Corporate Governance and Human Capital Management Committee Investment and Risk Management Committee Audit Committee Responsible for overseeing, monitoring and reviewing our policies, programs and practices related to ESG matters, including sustainability, health and safety and diversity, equity and inclusion matters. Responsible for overseeing the processes used to manage key financial risks, including risks related to liquidity, solvency margins, capital management and leverage, third-party credit risk, foreign exchange exposure, financial risk of climate change and insurance risks. Provides oversight of our use of non-GAAP measures and metrics, including ESG metrics. Board-Level Oversight We have an integrated approach to sustainability governance, with cross- collaboration among our Board committees and management. Our Board and its committees are actively engaged in the oversight of sustainability initiatives and our management provides regular reports on progress and developments. Management-Level Leadership RenaissanceRe has a dedicated internal team that supports the execution of our sustainability strategy, including developing and implementing sustainability priorities, integrating climate and resilience considerations into underwriting across business segments, and engaging with public-sector partners focused on climate resilience and helping to close the protection gap.

10 Metrics and Performance

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 46 Metrics and Performance We use a range of metrics to monitor our progress and assess the effectiveness of our sustainability approach. These metrics support decision-making across our underwriting, investment and operational activities, and provide transparency to our stakeholders. Our approach reflects the same principles that guide our core business: focus on what is important, measurable and relevant to long-term resilience. Over time, we expect to further develop metrics in areas where data quality and methodologies support meaningful measurement. Environmental Metrics We measure and monitor our GHG emissions across Scope 1, Scope 2 and relevant Scope 3 categories, in line with the GHG Protocol. These metrics support our understanding of our operational footprint and inform actions to improve efficiency over time. Key indicators include: • Total GHG emissions (location-based and market-based) • Emissions intensity per employee and per unit of revenue • Energy consumption across offices and data centers Investment Metrics We assess sustainability-related characteristics within our investment portfolio as part of our broader approach to risk and return. Key indicators include: • Carbon intensity of corporate credit and equity portfolios • ESG data coverage across investments • Allocation to lower-carbon and sustainability-aligned assets These metrics support our understanding of climate-related risks and opportunities within the portfolio and inform ongoing portfolio management decisions. People Metrics We track workforce metrics to understand how we attract, develop and retain talent and to support an inclusive and high- performing culture. Key indicators include: • Workforce composition by gender and leadership level • Employee headcount and geographic distribution • Participation in training and development programs Community Metrics We measure the reach and effectiveness of our community initiatives, with a focus on education, opportunity and resilience. Key indicators include: • Total community investment • Employee volunteering participation • Employee-directed giving • Number of beneficiaries supported through education and employment programs These metrics help us assess the impact of our programs and guide future investment. Governance and Risk Metrics We monitor governance and risk-related indicators to support effective oversight and accountability. Key indicators include: • Participation in compliance and ethics training • Integration of ESG considerations into decision-making processes • Climate-related risk considerations within ERM and underwriting Ongoing Development We continue to refine our metrics and disclosures as methodologies evolve and data availability improves. As with all forward-looking assessments, there are inherent uncertainties and data limitations, and we will enhance our approach over time as more robust and comparable information becomes available.

Looking Ahead RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 48 As we look ahead, we remain focused on deploying capital with discipline, standing by our clients and contributing to a more resilient world. The challenges we face are significant, from increasingly severe climate events to evolving regulatory expectations and the imperative to close the global protection gap. They are also central to what we do. Our integrated approach, combining underwriting expertise, capital flexibility and investment discipline, positions us to navigate volatility and deliver resilient performance over time. We plan to continue to invest in our risk science, deepen our partnerships and develop our people, enabling us to remain well-positioned to serve our clients and communities effectively. We are committed to transparent, rigorous and improving disclosure — and to continuing the meaningful progress we have made on our sustainability journey.

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 49 Note on Forward-Looking Statements Any forward-looking statements made in this sustainability report, including any statements regarding any future results of operations and financial positions, business strategy, plan and any objectives for future operations, reflect the current views of RenaissanceRe Holdings Ltd. (“RenaissanceRe,” the “Company,” “we,” “us,” or “our”) with respect to future events and financial performance and are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are subject to numerous factors that could cause actual results to differ materially from those set forth in or implied by such forward-looking statements, including the following: our exposure to natural and non-natural catastrophic events and circumstances and the variance they may cause in our financial results; the effect of climate change on our business, including the trend towards increasingly frequent and severe climate events; the effectiveness of our claims and claim expense reserving process; the effect of emerging claims and coverage issues; the performance of our investment portfolio and financial market volatility; the effects of inflation; our exposure to ceding companies and delegated authority counterparties and the risks they underwrite; our ability to maintain our financial strength ratings; our reliance on a small number of brokers; the highly competitive nature of our industry; the historically cyclical nature of the (re)insurance industries; collection on claimed retrocessional coverage and new retrocessional reinsurance being available; our ability to attract and retain key executives and employees; our ability to successfully implement our business, strategies and initiatives; our exposure to credit loss from counterparties; our need to make many estimates and judgments in the preparation of our financial statements; our exposure to risks associated with our management of capital on behalf of investors; changes to the accounting rules and regulatory systems applicable to our business, including changes in Bermuda and U.S. laws or regulations; the effect of current or future macroeconomic or geopolitical events or trends, including the ongoing conflicts globally; other political, regulatory or industry initiatives adversely impacting us; the impact of cybersecurity risks, including technology breaches or failure; our ability to comply with covenants in our debt agreements; the effect of adverse economic factors, including changes in the prevailing interest rates; the effects of new or possible future tax actions or reform legislation and regulations in the jurisdictions in which we operate; our ability to determine any impairments taken on our investments; our ability to raise capital on acceptable terms; our ability to comply with applicable sanctions and foreign corrupt practices laws; our dependence on capital distributions from our operating subsidiaries; and other factors affecting future results disclosed in RenaissanceRe’s filings with the SEC, including its Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q. Any reference to RenaissanceRe’s support of a third-party organization within this report does not constitute or imply an endorsement by RenaissanceRe of any or all of the positions or activities of such organization. All forward-looking statements in this report are based upon information available to RenaissanceRe on the date of this report or as of the dates indicated in the statement. RenaissanceRe undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events, changed circumstances or otherwise, except as required by applicable law or regulation. Information included in, and any issues identified as material or any derivatives of the word material for purposes of, this sustainability report may not be considered material for SEC reporting purposes. Within the context of this sustainability report, the term “material” (or any derivatives of the word material) is distinct from, and should not be confused with, such term as defined for SEC reporting purposes. Website references and hyperlinks throughout this report are provided for convenience only, and the content on the referenced websites is not incorporated by reference into this sustainability report, nor does it constitute a part of this sustainability report.

12 Appendix

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 51 Carbon Footprint Methodology Scope 1 Emissions are calculated using internal records of fixed asset usage and gas service provider invoices across all company offices. These emissions include direct outputs from corporate vessels, backup generators and on-site gas consumption. Scope 2 We used electricity provider invoices for all offices and data centers where available. Estimation methodologies are utilized in remaining instances. These emissions represent indirect GHG outputs from the consumption of purchased electricity, steam, heating and cooling. Scope 3 Business travel-related emissions are calculated utilizing activity data from travel records where available. Spend- based calculations are performed in instances where activity data was not available. Waste-related emissions are estimated using the WRAP Green Office guide, applying a benchmark of 200 kg of waste per employee per year, when activity data was not available. Employee commuting emissions are calculated on the assumption that all employees are commuting to their local offices four days per week. The calculation methodology utilized city- or country- specific official surveys to assume mode and length of transport. Employee commuting emissions also include remote work emissions, which were calculated based on an average of one work-from-home day per employee per week, adjusted for holidays. Being headquartered in Bermuda, some global corporate air travel costs were attributed to the head office. The figures provided in this report represent best estimates as of December 31, 2025. These estimates are based on the availability of data and existing methodologies. In certain instances where it is not possible or practicable for RenaissanceRe to do so, RenaissanceRe may not include items specified in the GHG Protocol. As at June 2025, RenaissanceRe has rebaselined 2019 emissions figures as more accurate and complete data became available and RenaissanceRe recategorized scopes of emissions and refined the methodologies used for the calculation of the emissions. However, in certain cases, it is either not feasible or practical for us to include all items outlined in the GHG Protocol in our calculations. In those cases, we will omit these items from our carbon inventory or rely on assumptions to estimate emissions. As the best practices, standards and frameworks in this area continue to evolve, and more accurate and complete data becomes available, these estimates may also evolve and/or change. RenaissanceRe continues to refine the internal data collection processes to attempt to more accurately estimate our emissions, and as such, estimates across years may not be directly comparable as the internal data collection process and collation procedures update. Independent Assurance Selected GHG emissions metrics have been subject to independent external assurance, with limited assurance provided by an independent third party. The assurance provider, Crowe U.K. LLP, expressed an unqualified limited assurance conclusion with respect to the selected metrics. RenaissanceRe uses the World Resources Institute/World Business Council for Sustainable Development GHG Protocol, Revised Edition, to calculate our Scope 1, Scope 2 and Scope 3 emissions. This framework aligns with internationally recognized GHG accounting standards and incorporates the most up-to-date emission factors available at the time of calculation, taking the location of the offices and data centers into consideration. Appendix

RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 52 Scope 1 Bermuda United Kingdom Department for Energy Security and Net Zero (DESNZ) Ireland DESNZ United Kingdom DESNZ Scope 2 Australia Australian Department of Climate Change, Energy, the Environment and Water (DCCEEW) Bermuda United States Environmental Protection Agency (EPA) Ireland European Association of Issuing Bodies (AIB) Singapore Singapore Energy Market Authority (EMA) Switzerland AIB United Kingdom DESNZ United States EPA Scope 3 Business Travel DESNZ Employee Commuting DESNZ, EPA, Singapore Ministry of Transport Transmission and Distribution DESNZ, EPA, DCCEEW, International Energy Agency (IEA) Well-to-Tank DESNZ, IEA Waste DESNZ Emission Factors Sources:

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 53 Framework Alignment Global Reporting Initiative (GRI) Statement of Use: RenaissanceRe has reported the information cited in this GRI content index for the period January 1, 2025, through December 31, 2025, with reference to the 2021 GRI Standards. GRI 1 Used: GRI 1: Foundation 2021 GRI 2: General Disclosures 2021 | 2-1 | Organizational details | About This Report | 04 | | About RenaissanceRe | 04 | | Our Portfolio | 11 | | 2-2 | Entities included in sustainability reporting | Scope and Boundaries | 04 | | 2-3 | Reporting period, frequency and contact point | Reporting Period | 04 | | 2-4 | Restatements of information | Not applicable for 2025 reporting | N/A | | 2-5 | External assurance | Independent Assurance | 51 | | 2-6 | Activities, value chain and other business relationships | About RenaissanceRe | 04 | | Underwriting | 14 | | Claims | 17 | | Investments | 19 | | 2-7 | Employees | Workforce Profile | 29 | | People Metrics | 46 | | 2-9 | Governance structure and composition | Sustainability Governance | 44 | | Our Governance | 43 | 2-10 Nomination and selection of highest governance body 2026 Proxy Statement Here 2-11 Chair of highest governance body 2026 Proxy Statement Here

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 54 GRI 2: General Disclosures 2021 | 2-12 | Role of highest governance body in overseeing impacts | Sustainability Governance | 44 | | 2-13 | Delegation of responsibility for managing impacts | Management-Level Leadership | 44 | 2-14 Role of highest governance body in sustainability reporting 2025 Form 10-K Here 2026 Proxy Statement Here 2026 ClimateWise Report Here 2-15 Conflicts of interest 2026 Proxy Statement Here 2-16 Communication of critical concerns Business Ethics and Anti-Corruption 44 Code of Ethics and Conduct Here 2-17 Collective knowledge of highest governance body Sustainability Governance 44 2026 Proxy Statement Here | 2-18 | Evaluation of performance of highest governance body | 2026 Proxy Statement | Here | | 2-19 | Remuneration policies | 2026 Proxy Statement | Here | | 2-20 | Process to determine remuneration | 2026 Proxy Statement | Here | | 2-21 | Annual total compensation ratio | 2026 Proxy Statement | Here | | 2-22 | Statement on sustainable development strategy | A Message From Our CEO | 02 | | 2-23 | Policy commitments | Health, Safety and Human Rights | 32 | | Our Governance Documents | 44 | Code of Ethics and Conduct Here Code of Vendor Conduct Here Modern Slavery Statement Here Human and Labor Rights Policy Here Occupational Health and Safety Policy Here Environmental Policy Here Responsible Investment Policy Here

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 55 GRI 2: General Disclosures 2021 2-24 Embedding policy commitments Code of Ethics and Conduct Here Code of Vendor Conduct Here Modern Slavery Statement Here | Human and Labor Rights Policy | Here | | Occupational Health and Safety Policy | Here | | Environmental Policy | Here | | Responsible Investment Policy | Here | | 2-25 | Processes to remediate negative impacts | Claims | 17 | | 2-26 | Mechanisms for seeking advice and raising concerns | Business Ethics and Anti-Corruption | 44 | | 2026 Proxy Statement | Here | | Code of Ethics and Conduct | Here | | Code of Vendor Conduct | Here | | 2-28 | Membership associations | Our Global Commitments | 09 | | Our Partnerships | 23 | | Industry Collaboration | 25 | | 2-29 | Approach to stakeholder engagement | Stakeholder Engagement | 09 | 2026 Proxy Statement Here

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 56 GRI 3: Material Topics 2021 | 3-1 | Process to determine material topics | About This Report | 04 | | Sustainability Strategy | 06 | | Stakeholder Engagement | 09 | | 3-2 | List of material topics | Focus Areas | 08 | | 3-3 | Management of material topics | 2025 Form 10-K | Here | | Focus Areas | 08 | | Our Global Commitments | 09 | | Our Portfolio | 11 | | Environmental Impact | 34 | | Our Communities | 39 | | Our Governance | 43 | Code of Ethics and Conduct Here Code of Vendor Conduct Here Modern Slavery Statement Here Human and Labor Rights Policy Here Occupational Health and Safety Policy Here Environmental Policy Here Responsible Investment Policy Here

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 57 Topic Standards | GRI | Indirect Economic Impacts 2016 | Our Communities | 39 | | 203 | Climate Resilience and Nature | 24 | | Closing the Protection Gap | 25 | | GRI | Anti-corruption 2016 | Business Ethics and Anti-Corruption | 44 | 205 | GRI | Tax 2019 | 2025 Form 10-K | Here | | 207 | | GRI | Energy 2016 | Our Operations | 34 | | 302 | Environmental Impact | 34 | | Energy and Emissions Management | 35 | | Environmental Metrics | 46 | | GRI | Emissions 2016 | Environmental Impact | 34 | | 305 | Energy and Emissions Management | 35 | | Carbon Footprint Methodology | 51 | | Environmental Metrics | 46 | | GRI | Employment 2016 | Workforce Profile | 29 | | 401 | People Metrics | 46 | | 2025 Form 10-K | Here | | GRI | Occupational Health and Safety 2018 | Workforce Wellbeing | 32 | | 403 | Health, Safety and Human Rights | 32 | | GRI | Training and Education 2016 | Learning and Development | 32 | | 404 | Leadership Development | 32 | | Industry Expertise and Professional Development | 32 | | GRI | Diversity and Equal Opportunity 2016 | Workforce Profile | 29 | | 405 | Fostering Inclusive Practices | 30 | | People Metrics | 46 | | GRI | Non-discrimination 2016 | Governance and Accountability | 31 | 406 Equal Opportunities Statement Here Code of Ethics and Conduct Here

RenaissanceRe A Message About Sustainability Our Our Our Our Our Our Metrics Looking 2025 Sustainability Report From Our CEO This Report Strategy Portfolio Partnerships People Operations Communities Governance and Performance Ahead Appendix 58 Topic Standards GRI Child Labor 2016 Our Governance Documents 44 408 Code of Ethics and Conduct Here Code of Vendor Conduct Here Modern Slavery Statement Here GRI Forced or Compulsory Labor 2016 Our Governance Documents 44 | 409 | Code of Ethics and Conduct | Here | | Code of Vendor Conduct | Here | | Modern Slavery Statement | Here | | GRI | Local Communities 2016 | Our Communities | 39 | | 413 | Strategic Community Investment | 40 | | Measuring Impact | 41 | | GRI | Supplier Social Assessment 2016 | Responsible Supply Chain | 37 | | 414 | | GRI | Customer Privacy 2016 | Cybersecurity and Data Protection | 37 | 418