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<title>esnt-20220629</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityCentralIndexKey" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV80L2ZyYWc6YmQyNWZiNDY4M2JkNDA1MTg2MDZhMWQzOWVhZGI0ZjAvdGFibGU6OGEyNGMxZTliOTQxNGNkOTgxYThkZTMxZWRkMzQ2ZDQvdGFibGVyYW5nZTo4YTI0YzFlOWI5NDE0Y2Q5ODFhOGRlMzFlZGQzNDZkNF8wLTItMS0xLTQ2NjM0_4794454d-587f-411c-9587-a6c9966d3202">0001448893</ix:nonNumeric><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:AmendmentFlag" format="ixt:fixed-false" 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style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="-sec-extract:summary;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Washington, D.C. 20549</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">FORM <ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:DocumentType" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjc1_29c58ed6-3d1e-4d5b-9c44-c9fabe187679">8-K</ix:nonNumeric> </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">CURRENT REPORT</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Pursuant to Section&#160;13 or 15(d)</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">of the Securities Exchange Act of 1934</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Date of report (Date of Earliest Event Reported): <ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjc2_0cf0b192-7073-4316-af1e-bedcf10d939b">June 29, 2022</ix:nonNumeric></span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:24pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityRegistrantName" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjc3_35dbf16b-457b-4951-8c7f-e6a421ece6ea">ESSENT GROUP LTD.</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(Exact name of registrant as specified in its charter)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.081%"><tr><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.643%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.964%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.965%"></td><td style="width:0.1%"></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:edgarprovcountryen" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGFibGU6ZmFkODM3ZjNhOTg2NDJlMjllNzI5NWJiOGQ5OTBjOGQvdGFibGVyYW5nZTpmYWQ4MzdmM2E5ODY0MmUyOWU3Mjk1YmI4ZDk5MGM4ZF8xLTAtMS0xLTQ2NjM0_c8bbe8a2-04b4-4c13-96b1-be6ab50435cb">Bermuda</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" 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1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(State of Incorporation)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Commission File Number)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(I.R.S. Employer Identification No.)</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityAddressAddressLine1" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjc4_cffae660-edf9-4593-adf8-f7a2fa1e70f5">Clarendon House</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityAddressAddressLine2" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjcw_fa635677-c1fc-4943-a8be-0526251fc3a8">2 Church Street</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityAddressCityOrTown" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjcx_7de7562d-77ac-4c60-bb62-c80043842b21">Hamilton</ix:nonNumeric> <ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityAddressPostalZipCode" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjc5_aac2426a-9eda-4b81-908b-78ec6da7f52f">HM11</ix:nonNumeric>, <ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjcy_f0b82641-6c71-4b26-8656-a96af9e39204">Bermuda</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Address of Principal Executive Offices and Zip Code)</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(<ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:CityAreaCode" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjgw_d46c74a4-445e-4008-914b-b3eac4f1dca1">441</ix:nonNumeric>)&#160;<ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:LocalPhoneNumber" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGV4dHJlZ2lvbjo3NTNjMjIyNjI2MDE0YTU0OGViOTIxNTBkMjdkYTQwOV8xMjcz_a5301642-e53f-4aa8-bc93-4ec91b2e3dc9">297&#8209;9901</ix:nonNumeric> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Registrant&#8217;s telephone number, including area code)</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:98.900%"></td><td style="width:0.1%"></td></tr><tr style="height:5pt"><td colspan="3" style="border-bottom:2pt solid #000000;padding:0 1pt"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">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:</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:96.783%"><tr><td 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style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="padding-left:216pt;text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="color:#000000;font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#168;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Securities registered pursuant to Section&#160;12(b) of the Act:</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"></td><td style="width:43.687%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.857%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.534%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:43.688%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Title of each class</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Trading<br/>Symbol(s)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:Security12bTitle" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGFibGU6ZmY3NDQ2MjdlZWRmNGM3M2EyODMzMGRlZmVhMjU2NjgvdGFibGVyYW5nZTpmZjc0NDYyN2VlZGY0YzczYTI4MzMwZGVmZWEyNTY2OF8xLTAtMS0xLTQ2NjM0_66b6a8ca-cd7b-432f-9205-bb1fb463e19b">Common Shares, $0.015 par value</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:TradingSymbol" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGFibGU6ZmY3NDQ2MjdlZWRmNGM3M2EyODMzMGRlZmVhMjU2NjgvdGFibGVyYW5nZTpmZjc0NDYyN2VlZGY0YzczYTI4MzMwZGVmZWEyNTY2OF8xLTItMS0xLTQ2NjM0_1572954f-b35b-4350-95c4-749e6bccb271">ESNT</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="i65fec71e17f04759a0b6015aa03c47fa_D20220629-20220629" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="id3VybDovL2RvY3MudjEvZG9jOjNhZTk4YjZjN2JmNjQzZTJiZDQ3MGU0ZjhlNmJlN2M1L3NlYzozYWU5OGI2YzdiZjY0M2UyYmQ0NzBlNGY4ZTZiZTdjNV8xL2ZyYWc6NzUzYzIyMjYyNjAxNGE1NDhlYjkyMTUwZDI3ZGE0MDkvdGFibGU6ZmY3NDQ2MjdlZWRmNGM3M2EyODMzMGRlZmVhMjU2NjgvdGFibGVyYW5nZTpmZjc0NDYyN2VlZGY0YzczYTI4MzMwZGVmZWEyNTY2OF8xLTQtMS0xLTQ2NjM0_30f78c00-8572-4071-8160-fd2de62319c0">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div><span><br/></span></div><div id="i3ae98b6c7bf643e2bd470e4f8e6be7c5_7"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Item 5.02            Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</span></div><div><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Essent Group Ltd. (the &#8220;Company&#8221;) entered into a letter agreement (the &#8220;Letter&#8221;) dated June 28, 2022 (the &#8220;Transition Date&#8221;) with Lawrence McAlee, the Company&#8217;s Senior Vice President and Chief Financial Officer, pursuant to which Mr. McAlee will cease serving as Senior Vice President and Chief Financial Officer of the Company as of the &#8220;Transition Date&#8221;.  Mr. McAlee has agreed to serve as a Special Advisor to the Chief Executive Officer of the Company to provide transition support from the Transition Date through December 31, 2022 (the &#8220;Separation Date&#8221;).  Mr. McAlee will remain subject to certain restrictive covenants for eighteen (18) months following the Separation Date, as contemplated by his employment agreement with the Company, dated as of September 30, 2013 and previously filed with the Securities and Exchange Commission (the &#8220;Employment Agreement&#8221;).</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Pursuant to the terms of the Letter, during the period from the Transition Date through the Separation Date, Mr. McAlee will receive a base salary of $30,000 per month and continue to be eligible to participate in the Company&#8217;s benefit plans.  In consideration for Mr. McAlee&#8217;s service as a Special Advisor to the Chief Executive Officer on the terms and conditions set forth in the Letter, and a full release and waiver of any claims he might have against the Company and its affiliates, Mr. McAlee will be eligible to receive a one-time cash transition bonus of $1,500,000, payable following the Transition Date.  In addition, subject to his compliance with the terms and conditions of the Letter, his reaffirmation of a full release and waiver of claims against the Company, and his compliance with the restrictive covenants set forth in his Employment Agreement, following the Separation Date, Mr. McAlee will receive certain severance payments and benefits (including vesting of certain equity awards and payment of his target bonus for the 2022 calendar year) consistent with a termination by the Company without &#8220;cause&#8221; under his Employment Agreement.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The termination of Mr. McAlee&#8217;s service as Chief Financial Officer of the Company</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">is not the result of any issues relating to financial disclosures or accounting matters, or any disagreements with the Company on any matter relating to the Company&#8217;s operations, policies, or practices.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The Company intends to file a copy of the Letter with the Company&#8217;s Quarterly Report on Form 10-Q for the quarter ending June 30, 2022 and the foregoing description is </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">qualified in its entirety by reference to the </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">terms of the Separation Agreement</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">David Weinstock, who has served as the Company&#8217;s Vice President and Chief Accounting Officer since 2009, began serving as Interim Chief Financial Officer of the Company on the Transition Date and will serve in such capacity until a permanent replacement for Mr. McAlee is identified by the Company. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In consideration for providing these additional services, the Company has agreed to pay Mr. Weinstock a</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">cash bonus in the amount of $25,000 per month for each month in which he serves as Interim Chief Financial Officer.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The additional payments will be paid monthly in arrears.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Mr. Weinstock, 57, has over 25 years of experience in the areas of finance, accounting and controls. Between 1998 and 2009, Mr. Weinstock held a series of senior management positions at Advanta Corp., including serving as its chief accounting officer and vice president of investor relations. Prior to joining Advanta, Mr. Weinstock was a senior manager at Arthur Andersen LLP. Mr. Weinstock holds a BS in accounting from The Pennsylvania State University and is a certified public accountant.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Mr. Weinstock does not have any family relationship with any director, executive officer or person nominated or chosen by the Company to become a director or executive officer.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">  </span></div><div style="margin-bottom:5pt;margin-top:5pt"><span><br/></span></div><div style="margin-bottom:5pt;margin-top:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item 9.01.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;Financial Statements and Exhibits</span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.228%"><tr><td style="width:1.0%"></td><td style="width:3.547%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:94.253%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(d)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Exhibits</span></td></tr></table></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:91.228%"><tr><td style="width:1.0%"></td><td style="width:7.393%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:75.662%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.312%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Exhibit<br/>&#160;No.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;&#160;</span></td><td colspan="6" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Description</span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">104</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.</span></td></tr></table></div><div style="margin-bottom:5pt;margin-top:5pt;text-indent:36pt"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">SIGNATURE</span></div><div style="margin-top:13.2pt;text-align:justify;text-indent:47.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div><span><br/></span></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Date: June 29, 2022</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">               </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">       </span></div><div style="padding-left:18pt;text-indent:198pt"><span><br/></span></div><div style="padding-left:18pt;text-indent:198pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">ESSENT GROUP LTD.</span></div><div style="padding-left:18pt;text-indent:198pt"><span><br/></span></div><div style="padding-left:18pt;text-indent:-18pt"><span><br/></span></div><div style="padding-left:234pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">By:&#160;&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">/s/ Mark A. Casale</span></div><div style="padding-left:234pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Name: Mark A. Casale</span></div><div style="padding-left:234pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Title:  President and Chief Executive Officer</span></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div></body></html>
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esnt-20220629
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
Date of report (Date of Earliest Event Reported):
June 29, 2022
ESSENT GROUP LTD.
(Exact name of registrant as specified in its charter)
Bermuda
001-36157
Not Applicable
(State of Incorporation)
(Commission File Number)
(I.R.S. Employer Identification No.)
Clarendon House
2 Church Street
Hamilton
HM11
,
Bermuda
(Address of Principal Executive Offices and Zip Code)
(
441
)
297‑9901
(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))
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth 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 new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
¨
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
Symbol(s)
Name of each exchange on which registered
Common Shares, $0.015 par value
ESNT
New York Stock Exchange
Item 5.02            Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.
Essent Group Ltd. (the "Company") entered into a letter agreement (the "Letter") dated June 28, 2022 (the "Transition Date") with Lawrence McAlee, the Company's Senior Vice President and Chief Financial Officer, pursuant to which Mr. McAlee will cease serving as Senior Vice President and Chief Financial Officer of the Company as of the "Transition Date".  Mr. McAlee has agreed to serve as a Special Advisor to the Chief Executive Officer of the Company to provide transition support from the Transition Date through December 31, 2022 (the "Separation Date").  Mr. McAlee will remain subject to certain restrictive covenants for eighteen (18) months following the Separation Date, as contemplated by his employment agreement with the Company, dated as of September 30, 2013 and previously filed with the Securities and Exchange Commission (the "Employment Agreement").
Pursuant to the terms of the Letter, during the period from the Transition Date through the Separation Date, Mr. McAlee will receive a base salary of $30,000 per month and continue to be eligible to participate in the Company's benefit plans.  In consideration for Mr. McAlee's service as a Special Advisor to the Chief Executive Officer on the terms and conditions set forth in the Letter, and a full release and waiver of any claims he might have against the Company and its affiliates, Mr. McAlee will be eligible to receive a one-time cash transition bonus of $1,500,000, payable following the Transition Date.  In addition, subject to his compliance with the terms and conditions of the Letter, his reaffirmation of a full release and waiver of claims against the Company, and his compliance with the restrictive covenants set forth in his Employment Agreement, following the Separation Date, Mr. McAlee will receive certain severance payments and benefits (including vesting of certain equity awards and payment of his target bonus for the 2022 calendar year) consistent with a termination by the Company without "cause" under his Employment Agreement.
The termination of Mr. McAlee's service as Chief Financial Officer of the Company
is not the result of any issues relating to financial disclosures or accounting matters, or any disagreements with the Company on any matter relating to the Company's operations, policies, or practices.
The Company intends to file a copy of the Letter with the Company's Quarterly Report on Form 10-Q for the quarter ending June 30, 2022 and the foregoing description is
qualified in its entirety by reference to the
terms of the Separation Agreement
.
David Weinstock, who has served as the Company's Vice President and Chief Accounting Officer since 2009, began serving as Interim Chief Financial Officer of the Company on the Transition Date and will serve in such capacity until a permanent replacement for Mr. McAlee is identified by the Company.
In consideration for providing these additional services, the Company has agreed to pay Mr. Weinstock a
cash bonus in the amount of $25,000 per month for each month in which he serves as Interim Chief Financial Officer.
The additional payments will be paid monthly in arrears.
Mr. Weinstock, 57, has over 25 years of experience in the areas of finance, accounting and controls. Between 1998 and 2009, Mr. Weinstock held a series of senior management positions at Advanta Corp., including serving as its chief accounting officer and vice president of investor relations. Prior to joining Advanta, Mr. Weinstock was a senior manager at Arthur Andersen LLP. Mr. Weinstock holds a BS in accounting from The Pennsylvania State University and is a certified public accountant.
Mr. Weinstock does not have any family relationship with any director, executive officer or person nominated or chosen by the Company to become a director or executive officer.
Item 9.01.             Financial Statements and Exhibits
(d)
Exhibits
Exhibit
No.
Description
104
Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document.
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: June 29, 2022
ESSENT GROUP LTD.
By:
/s/ Mark A. Casale
Name: Mark A. Casale
Title:  President and Chief Executive Officer