RenaissanceRe Holdings Ltd 2025年度报告

FORM 10-K☒ANNUALREPORT PURSUANT TO SECTION 13 OR 15(d) OFTHE SECURITIES EXCHANGE ACT OF 1934For the fiscal year ended December 31, 2025OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OFTHE SECURITIES EXCHANGE ACT OF 1934For the transition period from toCommission File No.001-14428RENAISSANCERE HOLDINGS LTD.(Exact Name Of Registrant As Specified In Its Charter) Bermuda98-0141974(State or Other Jurisdiction of Incorporation or Organization)(I.R.S. Employer Identification Number) Renaissance House, 12 Crow Lane, Pembroke HM 19 Bermuda(Address of Principal Executive Offices) (Zip Code)(441) 295-4513(Registrant’s telephone number, including area code)Securities registered pursuant to Section12(b) of the Act: Securities registered pursuant to Section12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Act. YesNo Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act. YesNo Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filingrequirements for the past 90 days. YesNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit suchfiles). YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Act. Large accelerated filer, Accelerated filer, Non-accelerated filer, Smaller reporting company☐, Emerginggrowth company☐ 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 newor revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internalcontrol over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm thatprepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in thefiling reflect the correction of an error to previously issued financial statements. Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensationreceived by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes☐No The aggregate market value of Common Shares held by nonaffiliates of the registrant at June30, 2025 was $11.3 billion based on the closing sale priceof the Common Shares on the New York Stock Exchange on that date. The number of Common Shares, par value US $1.00 per share, outstanding at February6, 2026 was 43,488,908. DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant’s definitive proxy statement for the 2026 Annual General Meeting of Shareholders are incorporated by reference into Part III of RENAISSANCERE HOLDINGS LTD.TABLE OF CONTENTS PageNOTE ON FORWARD-LOOKING STATEMENTSPART IITEM1.BUSINESSITEM1A.RISK FACTORSITEM1B.UNRESOLVED STAFF COMMENTSITEM1C.CYBERSECURITYITEM2.PROPERTIESITEM3.LEGAL PROCEEDINGSITEM4.MINE SAFETY DISCLOSURESPART IIITEM5.MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED SHAREHOLDER MATTERSAND ISSUER REPURCHASES OF EQUITY SECURITIESITEM6.RESERVEDITEM7.MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTSOF OPERATIONSITEM7A.QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKITEM8.FINANCIAL STATEMENTS AND SUPPLEMENTARY DATAITEM9.CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING ANDFINANCIAL DISCLOSUREITEM9A.CONTROLS AND PROCEDURESITEM9B.OTHER INFORMATIONITEM9C.DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONSPART IIIITEM10.DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCEITEM11.EXECUTIVE COMPENSATIONITEM12.SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT ANDRELATED SHAREHOLDER MATTERSITEM13.CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTORINDEPENDENCEITEM14.PRINCIPAL ACCOUNTANT FEES AND SE