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.