Company: AHL
Filing Date: 2025-05-08
Form Type: 424B4
Source: 0001628280-25-023859
Chunk: 15

Company: ASPEN INSURANCE HOLDINGS LTD
Filing Date: 2025-05-08
Form: 424B4
Chunk 15
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• Clients that have complex business challenges requiring customized insurance solutions to fit their specific risk transfer needs; and

• Risks that are underwritten on an individual basis, frequently requiring advanced analysis and modeling as well as specialized active claims management.

Our Insurance segment is organized into four primary portfolios of business: (1) financial and professional lines; (2) casualty and liability lines; (3) first party lines; and (4) specialty lines. Each portfolio has multiple product offerings which are overseen by experienced teams of underwriters who are experts in their given niche. The composition of our Insurance product offering is included below with percentages based on gross written premiums for the twelve months ended December 31, 2024.

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(1) Percentages represent gross written premium as a percent of total Insurance gross written premium for the twelve months ended December 31, 2024.

(2) Consists of Carbon Syndicate and our partnership with Ki to provide digital capacity through Ki’s Lloyd’s platform.

Specific examples of our expertise and differentiated approach across product lines include:

•

#### Specialized Expert Underwriters
. We employ underwriters who are experts in their respective fields, with the requisite sector knowledge to best assess, select and price risk. For example, the team that handles our ocean marine product line includes former members of the Merchant Marines; our credit and political risk business is supported by former bankers who understand the nuanced complexity associated with credit risk, while our cyber and tech liability teams are trained to field-recognized designations that would traditionally sit outside the insurance industry.

•

#### Customized Product Offering
. We have significantly narrowed our focus to concentrate on niche offerings, seeking to underwrite beyond the traditional lines of business that would result in a portfolio that stands and performs as just an index of the market. Examples of some of our specific product offerings include:

◦ Credit and Political Risk: Bespoke contracts for complex credit and project finance deals underwritten by an experienced team of underwriters, supported by dedicated in-house credit analysts, offering one of the widest product suites in the market;

◦ Cyber and Tech Liability: A team of global underwriters providing robust risk selection capabilities, who are all required to pass a credentialed network security exam (Certified Information Privacy Professional or Certified Information Privacy Technologist) to ensure consistent risk assessment expertise across the team;

◦ Environmental: Specialist liability products to mitigate the financial impacts of environmental financial claims with a team of over 25 underwriters with experience across