# EDGAR Filing Document

**Accession Number:** 0001593275
**File Stem:** 0001593275-25-000211
**Filing Date:** 2025-6
**Character Count:** 26038
**Document Hash:** eed8e54a46203565703c7a125a699b3a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001593275-25-000211.hdr.sgml**: 20250617

**ACCESSION NUMBER**: 0001593275-25-000211

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 29

**CONFORMED PERIOD OF REPORT**: 20250617

**ITEM INFORMATION**: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250617

**DATE AS OF CHANGE**: 20250617

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Hamilton Insurance Group, Ltd.
- **CENTRAL INDEX KEY:** 0001593275
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** D0
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-41862
- **FILM NUMBER:** 251051852

**BUSINESS ADDRESS:**
- **STREET 1:** WELLESLEY HOUSE NORTH, 1ST FLOOR
- **STREET 2:** 90 PITTS BAY ROAD
- **CITY:** PEMBROKE
- **STATE:** D0
- **ZIP:** HM08
- **BUSINESS PHONE:** (441) 405-5200

**MAIL ADDRESS:**
- **STREET 1:** WELLESLEY HOUSE NORTH, 1ST FLOOR
- **STREET 2:** 90 PITTS BAY ROAD
- **CITY:** PEMBROKE
- **STATE:** D0
- **ZIP:** HM08

?xml version='1.0' encoding='ASCII'? hg-20250617

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**___________________________________**

**FORM 8-K**

**___________________________________**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d)**

**of the Securities Exchange Act of 1934**

**June 17, 2025**

Date of Report (date of earliest event reported)

**___________________________________**

**Hamilton Insurance Group, Ltd.**

(Exact name of registrant as specified in its charter)

**___________________________________**

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| | | |
|:---|:---|:---|
| **Bermuda**<br>(State or other jurisdiction of <br>incorporation or organization) | **001-41862**<br>(Commission File Number) | **98-1153847**<br>(I.R.S. Employer Identification <br>Number) |
| **Wellesley House North, 1st Floor** <br>**90 Pitts Bay Road** <br>**Pembroke, Bermuda HM 08** | **Wellesley House North, 1st Floor** <br>**90 Pitts Bay Road** <br>**Pembroke, Bermuda HM 08** | **Wellesley House North, 1st Floor** <br>**90 Pitts Bay Road** <br>**Pembroke, Bermuda HM 08** |
| (Address of principal executive offices and zip code) | (Address of principal executive offices and zip code) | (Address of principal executive offices and zip code) |
| **(441) 405-5200** | **(441) 405-5200** | **(441) 405-5200** |
| (Registrant's telephone number, including area code) | (Registrant's telephone number, including area code) | (Registrant's telephone number, including area code) |

---

**___________________________________**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

---

| | | |
|:---|:---|:---|
| **Securities registered pursuant to Section 12(b) of the Act:** | **Securities registered pursuant to Section 12(b) of the Act:** | **Securities registered pursuant to Section 12(b) of the Act:** |
| **Title of each class** | **Trading Symbol** | **Name of each exchange on which** <br>**registered** |
| Class B common shares, par value $0.01 per share | HG | New York Stock Exchange |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 12b-2 of the Exchange Act.&nbsp;&nbsp;&nbsp;&nbsp;**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**

Emerging growth company **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ☐**

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. **&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;☐**

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**Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers**

*Departure of Certain Officers* 

On June 17, 2025, Hamilton Insurance Group, Ltd. (the "Company") announced that Megan Graves, Chief Executive Officer ("CEO") of Hamilton Re, Ltd. ("Hamilton Re") and a named executive officer of the Company, notified the Company of her decision to step down from her role as CEO of Hamilton Re, effective September 1, 2025. Ms. Graves will remain employed by the Company through her planned retirement on December 31, 2025, to support a smooth leadership transition. Ms. Graves' decision to retire is not the result of any disagreement with the Company on any matter relating to its operations, policies, or practices.

In connection with her retirement, the Company and Ms. Graves entered into a retirement agreement that provides for her eligibility to receive her annual bonus at the target level (and in line with Company performance) and reimbursement of relocation expenses. Ms. Graves also entered into a non-compete agreement, a form of which is attached to the retirement agreement, and under which her outstanding RSUs and PSUs will continue to vest in accordance with their original terms, subject to her continued compliance with certain post-employment restrictive covenants. The foregoing summary is qualified in its entirety by reference to the full text of the retirement agreement, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference.

*Appointment of Certain Officers* 

On June 17, 2025, the Company also announced that Adrian Daws, currently the Chief Executive Officer of Hamilton Global Specialty and a named executive officer of the Company, has been appointed to serve as CEO of Hamilton Re with effect from September 1, 2025, subject to regulatory and Bermuda immigration approval.

Mr. Daws, age 44, has served as Chief Executive Officer of Hamilton Global Specialty since 2020 and has over 25 years of industry experience, with extensive knowledge across insurance and reinsurance. He joined the Company in 2015 as Head of Specialty and Deputy Active Underwriter before transitioning to Active Underwriter of the Company's Lloyd's syndicate in 2018. There is no arrangement or understanding between Mr. Daws and any other person pursuant to which Mr. Daws was appointed to CEO of Hamilton Re and Mr. Daws is not a party to any transaction with the Company that would require disclosure under Item 404(a) of Regulation S-K. There are no family relationships between Mr. Daws and any other director or officer of the Company.

The Company also announced that Alex Baker, currently the Company's Group Chief Risk Officer, has been appointed to succeed Mr. Daws as Chief Executive Officer of Hamilton Global Specialty, subject to regulatory approval, and with effect from September 1, 2025. In addition, Tim Duffin, currently Chief Underwriting Officer of Hamilton Re, has been appointed Group Chief Underwriting Officer of the Company, with effect from January 1, 2026, subject to regulatory approval.

*Compensatory Arrangements of Certain Officers*

In connection with his appointment as CEO of Hamilton Re, the Company entered into a new employment agreement with Mr. Daws, dated June 13, 2025. The agreement provides for an annual base salary of $660,000, a target annual cash bonus opportunity equal to 140% of the annual base salary and an annual target long term incentive award equal to 170% of annual base salary, all of which will be reviewed annually for increase, but not decrease. The Company has also agreed to reimburse Mr. Daws for any expenses incurred in connection with UK tax advisory services through the end of 2026. The agreement provides for severance benefits in the event of a termination without cause or resignation for good reason. In the event such a termination occurs following a change in control of the Company, Mr. Daws will be entitled to enhanced severance benefits, including a lump sum payment equal to two years' base salary, one year's target annual cash incentive bonus, and continued medical insurance coverage. These change-in-control benefits are subject to his continued compliance with restrictive covenants and execution of documents reasonably required by the Company. The agreement also includes customary intellectual property assignment, confidentiality, non-competition, non-disparagement and non-solicitation covenants. The foregoing summary is qualified in its entirety by reference to the full text of the agreement, a copy of which is filed as Exhibit 10.2 to this Current Report on Form 8-K and incorporated herein by reference.

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**Item 7.01 - Regulation FD Disclosure**

On June 17, 2025, the Company issued a press release announcing the upcoming leadership transitions within its executive team as described in this Current Report on Form 8-K. A copy of the press release making this announcement is furnished hereto as Exhibit 99.1 hereto and is incorporated herein by reference

**Item 9.01 Financial Statements and Exhibits.**

(d) Exhibits:

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| | |
|:---|:---|
| 10.1 | <u>[Retirement](mgravesretirement2.htm)[Agreement, dated as of June](mgravesretirement2.htm)[16](mgravesretirement2.htm)[, 2025, between Hamilton BDA Services Limited and Megan Graves](mgravesretirement2.htm)</u> |
| 10.2 | <u>[Employment Agreement, dated as of June 13, 2025 between Hamilton BDA Services Limited and Adrian Daws](scan_dfisherx2025-06x17x.htm)</u> |
| 99.1 | <u>[Press Release dated June 17, 2025, issued by the Company](hamiltonannouncesexecuti.htm)</u> |
| 101 | Interactive Data File (formatted in Inline XBRL and includes the Cover Page Interactive Data File) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document and included in Exhibit 101) |

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**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Date: June 17, 2025  |  | **HAMILTON INSURANCE GROUP, LTD.** |
|  | *By:* | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; /s/ Gemma Carreiro |
|  |  | Gemma Carreiro |
|  |  | Group General Counsel |

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## Exhibit 10.1

![](mgravesretirement2001.jpg)

1 16 JUNE 2025 Ms. Megan Graves Private and Confidential Dear Megan, RE: Retirement Plans This letter seeks to confirm the details upon your upcoming retirement. You will continue in your role as CEO, Hamilton Re until December 31, 2025, when you will retire (the "Retirement Date"). Please be reminded that, during your Notice Period, you remain employed by Hamilton BDA Services Limited (the "Company") and continue to owe all duties and obligations (express and implied, including the duty of fidelity) to both the Company and the Group Companies. During your Notice Period, it is expected that you will continue to fulfil your duties under the contract of employment dated September 1, 2020 (the 'Contract of Employment') between you and the Company. However, per section 3c of your Contract of Employment, the Company reserves the right to request you to go on "garden leave". \*capitalised terms not otherwise defined herein shall have the meanings ascribed to them in the Contract of Employment. During the period of your notice, you agree to support the handover of your responsibilities to Adrian Daws. You shall be reimbursed for any business expenses properly incurred prior to the Retirement Date, subject to any generally applicable Group Company policy or procedures. 2025 Discretionary Annual Bonus You remain eligible for a discretionary annual bonus for the 2025 performance year, payable in March 2026, at no less than your target, based on the agreed pool awarded for Hamilton Re and subject to the normal rules of the cash incentive scheme in force at your Retirement Date. Long Term Incentive Compensation You will remain a member of the Hamilton Insurance Group Long Term Incentive Plan and, subject to signing the attached form of non-compete agreement, will benefit from the continued vesting for any unvested RSUs and PSUs that have been granted. For the avoidance of doubt, you will not be eligible for any future grants from the date of this letter.

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![](mgravesretirement2002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 Relocation Costs To support your repatriation to US, you will be eligible for reimbursement of up to an aggregate maximum sum of US$20,000 towards the shipment of your personal belongings and economy flights to the US for you and your spouse. Your final salary payment will be made to you as part of the December 2025 payroll. Any accrued yet unused vacation leave will be paid to you alongside this final payment. Any benefits that you are eligible for will end upon leaving Hamilton, except for medical coverage which will continue for a period of 31 days should alternative coverage not be in place. Please be aware that your employment with the Company may be subject to restriction clauses that extend beyond your final date of employment: any such details will be outlined your contract of employment. In order to signify your understanding and agreement to the above outlined terms, please sign and return a copy of this letter and the attached non-compete agreement. If you have any questions, please do not hesitate to contact me. I wish you all the best on your forthcoming retirement. Your sincerely, Gemma Carreiro General Counsel For and on behalf of the Company ----------------------------------------------------------------------------------------------------------- I confirm receipt and my understanding and agreement to the arrangements set out in this letter Signed: ................................................................................... Date: ........................................................ June 16, 2025

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![](mgravesretirement2003.jpg)

NON-COMPETE AGREEMENT THIS NON-COMPETE AGREEMENT (the "Agreement") dated this day of DATE. BETWEEN: Hamilton Insurance Group, Ltd. (the "Company") AND [ ] (the "Employee") BACKGROUND: A. The Employee is currently employed by Hamilton BDA Services Limited (the "Employer"), a wholly owned subsidiary of the Company and is a recipient of Awards under the Hamilton Insurance Group, Ltd.'s Value Appreciation Pool ("VAP"), the Hamilton Insurance Group, Ltd. Equity Incentive Plan 2013 and the Hamilton Insurance Group, Ltd. Equity Incentive Plan 2023. B. The Employee has stated their intention to retire from work. Unless otherwise defined herein the terms and phrases used in this Agreement are as defined in the Hamilton Insurance Group, Ltd. Equity Incentive Plan 2013 and the Hamilton Insurance Group, Ltd. Equity Incentive Plan 2023 as amended from time to time and posted on the Company's Open Hamilton intranet website or as advised to the Employee. IN CONSIDERATION OF the vesting and subsequent payment of the Awards granted to the Employee, and in addition to other valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties to this Agreement agree as follows: 1. By signing this Agreement the Employee hereby confirms their intention to retire on [ ] 2. For a period beginning with the date of this Agreement and ending after all outstanding unvested Awards have fully vested (the "Restricted Period"), the Employee agrees that, without the prior written consent of the Company, the Employee shall not, during the Restricted Period: a. work for a competing company in the insurance market in any location in which the Company (or any subsidiary of the Company) has a physical presence, either as an employee or contractor as at the date of this Agreement ("the Restricted Area"); b. solely or jointly with others, in the Restrictive Area, establish a company that in part or wholly offers the same products or services as the Company (or any subsidiary of the Company) as at the date of this Agreement; c. solely or jointly with others, in the Restrictive Area, develop products or services that could be used in competition with those products or services provide by the Company (or any subsidiary of the Company), as of the date of this Agreement; d. solely or jointly with others, in the Restrictive Area, undertake any business activities competitive with the current or anticipated business activities of the Company (or any subsidiary of the Company) as of the date of this Agreement; or

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![](mgravesretirement2004.jpg)

e. directly or indirectly, in the Restrictive Area, engage in any other business activities which the Company, in their reasonable discretion, determines to be in material conflict with the best interests of the Company (or any subsidiary of the Company). Should circumstances change within the period of this Agreement, the Employee is required to promptly notify the Company. 3. It is specifically recognized and agreed by and between the Company and Employee that nothing in this Agreement shall prohibit, restrict, or otherwise impede the Employee from utilizing, employing, and/or marketing Employee's skill and experience as an employee, consultant, officer, owner, founder or director of any company or entity not in competition with the Employer, as set out in clause 2a – 2e above. 4. In addition, it is mutually recognized and agreed that nothing in this Agreement shall prohibit, restrict, or otherwise impede the Employee from acting as a non-executive director for any company or entity that may be considered as in competition with the Company. 5. The Company agrees to consider the waiver of a potential conflict of the items set out in clause 2a – 2e above submitted by the Employee provided that the Employee brings such matter to the attention of the Company in advance for due consideration. The Company agrees to be commercially reasonable but shall have absolute discretion as to whether or not to grant a waiver. 6. In the event the Company reasonably believes the Employee has breached any part of clause 2a – 2e above, the Company shall provide the Employee with written notice specifying the nature of the alleged breach. The Employee shall have twenty (20) days from the date of receipt of such notice to remedy the alleged breach to the reasonable satisfaction of the Company. If, following the expiration of that period, the Company reasonably determines that a breach remains unremedied, the Company may issue a further written notice confirming that all of the Employee's Awards remaining unvested at that time shall lapse and thereafter shall not vest, provided that such lapse shall not take effect if the Employee is actively arbitrating the alleged breach in good faith in according to clause 11 of this Agreement. The Employee's breach of any provision of clause 2a – 2e and the lapsing of any Awards remaining unvested shall not affect the Employee's rights to and ownership of any Awards vesting prior to the date of any breach and written notice of lapse. 7. The addresses for any notice to be delivered to the Employee is as follows: Address: Email address: 8. For the purposes of administration and for general communication purposes, the Employee shall advise the Company of any change of address and email address. 9. Assignment - Except where the Company has been purchased by, sold to or merged with, a third party company, or where it has become necessary or desirable to assign this Agreement to another company within the Group, this Agreement may not be assigned or otherwise transferred by either party in whole or part without the prior written consent of the other party to this Agreement. 10. Amendment - This Agreement may only be amended or modified by a written instrument executed by both the Company and the Employee.

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![](mgravesretirement2005.jpg)

11. Governing Law – This Agreement shall be governed by and construed in accordance with the laws of New York, and any dispute or claim which may arise out of or in connection with this Agreement shall be referred to and determined by arbitration in New York, USA. Signed by the Employee: ………………………….…………………………………………….. Signed on behalf of the Company: ………………………………………………………..

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## Exhibit 10.2

![](scan_dfisherx2025-06x17x001.jpg)

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![](scan_dfisherx2025-06x17x002.jpg)

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![](scan_dfisherx2025-06x17x003.jpg)

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![](scan_dfisherx2025-06x17x004.jpg)

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![](scan_dfisherx2025-06x17x005.jpg)

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![](scan_dfisherx2025-06x17x006.jpg)

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![](scan_dfisherx2025-06x17x007.jpg)

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## Exhibit 99.1

![](hamiltonannouncesexecuti001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hamilton Announces Executive Appointments PEMBROKE, BERMUDA, June 17, 2025 — Hamilton Insurance Group, Ltd. (NYSE: HG) ("Hamilton" or the "Company") today announced the appointments of Adrian Daws to Chief Executive Officer, Hamilton Re, based in Bermuda, and Alex Baker to Chief Executive Officer, Hamilton Global Specialty, based in London, succeeding Daws. Both appointments are subject to requisite regulatory approvals, and in the case of Daws, also subject to immigration approval. Additionally, Tim Duffin has been appointed to the newly created role of Group Chief Underwriting Officer, based in Bermuda effective January 1, 2026, subject to requisite regulatory approval. Daws, Baker and Duffin will all be part of the Executive Management team reporting to Pina Albo, Group Chief Executive Officer. Megan Graves, who has served as Chief Executive Officer of Hamilton Re since 2020, has decided to retire from the Company, effective December 31, 2025. "I am extremely pleased to congratulate Adrian, Alex and Tim on their well- deserved appointments," David A. Brown, Board Chair said. "We are fortunate to have such strong and talented individuals on the Hamilton team; employees who are aligned with our strategy and values and who are able to seamlessly step into key roles and continue our forward momentum and success." Albo added: "Our ability to appoint Adrian, Alex and Tim from within Hamilton is a testament to the bench strength we've cultivated across our organization over the years. These leaders are seasoned professionals, who have demonstrated exceptional commitment, vision and performance and will be instrumental in continuing to execute our strategy of building a global specialty insurance and reinsurance company. I am thrilled with the appointments of Adrian, Alex and Tim and look forward to working with them as we continue building our profitable track record. "Megan's decision to retire follows an impressive five years with the Company, which has included strategically growing Hamilton Re into a highly profitable and diversified insurance and reinsurance platform, establishing a strong key client relationship strategy and leveraging our A.M. Best "A" rating. During her tenure, Megan also built a formidable team of talented professionals who will continue to serve Hamilton and its clients. We thank Megan for her many contributions to Hamilton and wish her a healthy and happy retirement."

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![](hamiltonannouncesexecuti002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Daws was appointed Chief Executive Officer, Hamilton Global Specialty in 2020 and has over 25 years of industry experience, with extensive knowledge across insurance and reinsurance. He joined Hamilton in 2015 as Head of Specialty and Deputy Active Underwriter before transitioning to Active Underwriter of Hamilton's Lloyd's syndicate in 2018. Baker was appointed Group Chief Risk Officer in 2022 and has over 25 years of experience in the insurance industry. He joined Hamilton in 2016, serving as Chief Risk Officer and Chief Actuary at Hamilton Global Specialty before being promoted to his groupwide role. Duffin was appointed Chief Underwriting Officer of Hamilton Re in 2017. He has over 25 years of insurance industry experience in the Bermuda and London markets. He joined Hamilton as Senior Vice President Property in 2012. About Hamilton Insurance Group, Ltd. Hamilton is a Bermuda-headquartered specialty insurance and reinsurance company that underwrites risks on a global basis through its wholly owned subsidiaries. Its three underwriting platforms: Hamilton Global Specialty, Hamilton Select and Hamilton Re, each with dedicated and experienced leadership, provide access to diversified and profitable business around the world. For more about our company, visit www.hamiltongroup.com or find us on LinkedIn at Hamilton Media contact Kelly Corday Ferris kelly.ferris@hamiltongroup.com Investor contacts Jon Levenson and Darian Niforatos investor.relations@hamiltongroup.com

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