Company: AHL
Filing Date: 2025-05-08
Form Type: 424B4
Source: 0001628280-25-023859
Chunk: 30

Company: ASPEN INSURANCE HOLDINGS LTD
Filing Date: 2025-05-08
Form: 424B4
Chunk 30
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 to progress our approach to administering strong governance over the strategic delivery, effective risk management, and assessment of key metrics.

#### Summary Risk Factors
Investing in our ordinary shares involves risks. Prospective investors should carefully consider the risks described in “Risk Factors” below, as well as other information contained in this prospectus before making a decision to invest in our ordinary shares. Any of the factors set forth under “Risk Factors” could materially adversely affect our business, financial condition, results of operations or cash flows and could impact any forward-looking statements. Prospective investors should note that such risks are not the only ones we face. Additional risks

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and uncertainties not currently known to us or that we currently deem to be immaterial may also materially and adversely affect us in the future. Among these important risks are the following:

• we may be adversely affected by the occurrence of natural disasters, severe weather events and other catastrophe events, as well as outbreaks of pandemic or contagious diseases, and we could face unanticipated losses from war, terrorism and political unrest, cyber attacks, government action that is hostile to commercial interests and from sovereign, sub-sovereign and corporate defaults; these or other unanticipated losses could have a material adverse effect on our financial condition or operating results;

• global climate change, as well as increasing laws, regulation and litigation in the area of climate change, may have an adverse effect on our results of operations, financial condition or liquidity;

• our results may fluctuate as a result of many factors, including cyclical changes in the reinsurance and insurance industries;

• our reinsurers may not reimburse us for claims on a timely basis, or at all, which may materially and adversely affect our business, results of operations and financial condition;

• a material proportion of our business relies on the assessment and pricing of individual risks by third parties;

• the failure of any risk management and loss limitation methods we employ could have a material adverse effect on our financial condition and operating results;

• our financial condition and operating results may be adversely affected if actual claims exceed our loss reserves;

• we may be adversely impacted by economic or social inflation;

• our investments are subject to interest rate, credit, and real estate related risks, which may adversely affect our net income and may adversely affect the adequacy of our capital

• our operating results may be adversely affected by the failure of policyholders, brokers or other intermediaries or reinsurers to honor their payment obligations;

• competition and consolidation in the (re)insurance industry could