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<title>hg-20250610</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="c-1" name="dei:AmendmentFlag" format="ixt:fixed-false" id="f-22">false</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:EntityCentralIndexKey" id="f-23">0001593275</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="hg-20250610.xsd"/></ix:references><ix:resources><xbrli:context id="c-1"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001593275</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2025-05-19</xbrli:startDate><xbrli:endDate>2025-05-19</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div><div id="iae50133b6c8446f684f1c506e909d0af_1"></div><div style="min-height:27pt;width:100%"><div style="margin-bottom:10pt;text-align:right"><span><br/></span></div></div><div style="margin-top:2.7pt;text-align:center"><table 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style="font-family:'Wingdings',sans-serif;font-size:10pt;font-weight:400;line-height:100%"></span></div><div style="height:36pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div></div><div id="iae50133b6c8446f684f1c506e909d0af_4"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div><div style="-sec-extract:summary;margin-bottom:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 1.01 Entry into a Material Definitive Agreement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Amended and Restated Credit Agreement</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%">On June 10, 2025, Hamilton Insurance Group, Ltd. (the &#8220;Company&#8221;) and Hamilton Re, Ltd. entered into a $450,000,000 Sixth Amended and Restated Credit Agreement (the &#8220;Credit Agreement&#8221;) with Wells Fargo Bank, N.A., as administrative agent, L/C Agent, issuing lender and lender, Truist Bank, as syndication agent, issuing lender and lender, Commerzbank AG, New York Branch, as documentation agent, issuing lender and lender, Citizens Bank, N.A., HSBC Bank USA, National Association and Barclays Bank PLC, as issuing lenders and lenders, Wells Fargo Securities, LLC and Truist Securities, Inc., as joint lead arrangers and joint bookrunners and Commerzbank AG, New York Branch, as a joint lead arranger. The Credit Agreement provides access to borrowings for working capital and general corporate purposes, and letters of credit to support obligations under insurance and reinsurance agreements, retrocessional agreements and for general corporate purposes. The Credit Agreement has a final maturity date of June 9, 2029 and replaces the Company&#8217;s Fifth Amended and Restated Credit Agreement, dated June 23, 2022, as amended (the &#8220;Existing Credit Agreement&#8221;). As of June 10, 2025, there were no borrowings outstanding under the Existing Credit Agreement.</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%">Borrowings under the Credit Agreement bear interest at a rate per annum equal to, at the option of the Company, (i) adjusted term Secured Overnight Financing Rate (&#8220;SOFR&#8221;) plus an applicable margin ranging from 1.375% to 1.750%, or (ii) a base rate plus an applicable margin ranging from 0.375% to 0.750%, in each case with the applicable margin determined based upon the Company&#8217;s long term issuer default rating. The Credit Agreement is subject to a commitment fee on or after the closing date on the average daily undrawn commitments under the Credit Agreement, payable quarterly in arrears, of 0.150% to 0.275% per annum based upon the Company&#8217;s long term issuer default rating.</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 Credit Agreement is subject to representations and warranties, affirmative and negative covenants and events of default that the Company considers customary for similar facilities. The Credit Agreement also includes financial covenants, including a financial strength rating test, a minimum consolidated tangible net worth test and a maximum consolidated indebtedness to total capitalization ratio.</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 foregoing description of the Credit Agreement does not purport to be complete and is qualified in its entirety by reference to the Sixth Amended and Restated Credit Agreement, attached hereto as Exhibit 10.1.</span></div><div style="text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Amended and Restated Term Loan Credit Agreement</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%">In addition, on June 10, 2025, the Company entered into a $150,000,000 Amended and Restated Term Loan Credit Agreement (the &#8220;Term Loan Facility&#8221;) with Wells Fargo Bank, N.A., as administrative agent and lender, Truist Bank and Commerzbank AG, New York Branch,</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:112%">  </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">as co-syndication agents and lenders, Citizens Bank, N.A. and HSBC Bank USA, National Association, as lenders and Wells Fargo Securities, LLC, as sole lead arranger and sole bookrunner. The Term Loan Facility has a maturity date of June 9, 2028, and replaces the Company&#8217;s Term Loan Credit Agreement dated as of July 26, 2019, as amended (the &#8220;Existing Term Loan&#8221;). The Company will use the Term Loan Facility to refinance the indebtedness outstanding under the Existing Term Loan. </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%">Borrowings under the Term Loan Facility bear interest at a rate per annum equal to, at the option of the Company, (i) adjusted term SOFR plus an applicable margin ranging from 1.375% to 1.750%, or (ii) a base rate plus an applicable margin ranging from 0.375% to 0.750%, in each case with the applicable margin determined based upon the Company&#8217;s long term issuer default rating. </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 Term Loan Facility is subject to representations and warranties, affirmative and negative covenants and events of default that the Company considers customary for similar facilities. The Term Loan Facility also includes financial covenants, including a financial strength rating test, a minimum consolidated tangible net worth test and a maximum consolidated indebtedness to total capitalization ratio. </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 foregoing description of the Term Loan Facility does not purport to be complete and is qualified in its entirety by reference to the Amended and Restated Term Loan Credit Agreement, attached hereto as Exhibit 10.2.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div><div><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div id="iae50133b6c8446f684f1c506e909d0af_160"></div><div style="-sec-extract:summary;margin-bottom:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</span></div><div style="margin-bottom:12pt;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">The information set forth under Item 1.01 above is incorporated herein by reference.</span></div><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 9.01 Financial Statements and Exhibits.</span></div><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(d) Exhibits:</span></div><div style="margin-bottom:12pt"><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 style="width:11.021%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.406%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:86.173%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#cceeff;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%">10.1</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgrevolverfinal.htm">Sixth </a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgrevolverfinal.htm">Amended and Restated</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgrevolverfinal.htm"> Credit Agreement dated June </a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgrevolverfinal.htm">10</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgrevolverfinal.htm">, 2025</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">*</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;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%">10.2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgtermloanfinal.htm">Amended and Restated Term Loan Credit Agreement dated June </a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgtermloanfinal.htm">10</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgtermloanfinal.htm">, 202</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%;text-decoration:underline" href="hgtermloanfinal.htm">5</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">*</span></div></td></tr><tr><td colspan="3" style="background-color:#c1e4f5;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%">101</span></td><td colspan="3" style="background-color:#c1e4f5;padding:0 1pt"/><td colspan="3" style="background-color:#c1e4f5;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Interactive Data File (formatted in Inline XBRL and includes the Cover Page Interactive Data File)</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;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%">104</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><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 (embedded within the Inline XBRL document and included in Exhibit 101)</span></div></td></tr><tr style="height:33pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">*</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;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%">Portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K. The Company hereby undertakes to furnish supplemental copies of any of the omitted schedules to the SEC upon request.</span></td></tr></table></div><div><span><br/></span></div><div style="margin-bottom:12pt"><span><br/></span></div><div><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div></div><div id="iae50133b6c8446f684f1c506e909d0af_109"></div><hr style="page-break-after:always"/><div style="min-height:72pt;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div><div style="-sec-extract:summary;margin-bottom:12pt;text-align:center"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">SIGNATURE</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">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.</span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;</span></div><div style="margin-bottom:12pt"><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 style="width:22.938%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.508%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:44.254%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">Date: June 10, 2025</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:100%"> </span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt 2px 2pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">HAMILTON INSURANCE GROUP, LTD.</span></td></tr><tr><td colspan="9" 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;</span></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%">&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:100%">By:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:12pt;text-indent:31.49pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#160;/s/ Gemma Carreiro</span></div></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%">&#160;</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;</span></td><td colspan="3" style="border-top: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%">Gemma Carreiro</span></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%">&#160;</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;</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%">Group General Counsel</span></td></tr></table></div><div id="iae50133b6c8446f684f1c506e909d0af_93"></div><div style="text-align:justify"><span><br/></span></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="margin-bottom:12pt"><span><br/></span></div></div></div></body></html>
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hg-20250610
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 10, 2025
Date of Report (Date of earliest event reported)
Hamilton Insurance Group, Ltd.
(Exact name of registrant as specified in its charter)
Bermuda
001-41862
98-1153847
(State or other jurisdiction
of incorporation)
(Commission
File Number)
(IRS Employer
Identification No.)
Wellesley House North, 1st Floor
90 Pitts Bay Road
Pembroke
Bermuda
(Address of principal executive offices)
HM 08
(Zip Code)
(
441
)
405-5200
(Registrant's telephone number, including area code)
Check the appropriate box below if the Form 8-K 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:
Title of each class
Trading
Symbol
Name of each exchange on which registered
Class B common shares, par value $0.01 per share
HG
New York Stock Exchange
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.
Item 1.01 Entry into a Material Definitive Agreement
.
Amended and Restated Credit Agreement
On June 10, 2025, Hamilton Insurance Group, Ltd. (the "Company") and Hamilton Re, Ltd. entered into a $450,000,000 Sixth Amended and Restated Credit Agreement (the "Credit Agreement") with Wells Fargo Bank, N.A., as administrative agent, L/C Agent, issuing lender and lender, Truist Bank, as syndication agent, issuing lender and lender, Commerzbank AG, New York Branch, as documentation agent, issuing lender and lender, Citizens Bank, N.A., HSBC Bank USA, National Association and Barclays Bank PLC, as issuing lenders and lenders, Wells Fargo Securities, LLC and Truist Securities, Inc., as joint lead arrangers and joint bookrunners and Commerzbank AG, New York Branch, as a joint lead arranger. The Credit Agreement provides access to borrowings for working capital and general corporate purposes, and letters of credit to support obligations under insurance and reinsurance agreements, retrocessional agreements and for general corporate purposes. The Credit Agreement has a final maturity date of June 9, 2029 and replaces the Company's Fifth Amended and Restated Credit Agreement, dated June 23, 2022, as amended (the "Existing Credit Agreement"). As of June 10, 2025, there were no borrowings outstanding under the Existing Credit Agreement.
Borrowings under the Credit Agreement bear interest at a rate per annum equal to, at the option of the Company, (i) adjusted term Secured Overnight Financing Rate ("SOFR") plus an applicable margin ranging from 1.375% to 1.750%, or (ii) a base rate plus an applicable margin ranging from 0.375% to 0.750%, in each case with the applicable margin determined based upon the Company's long term issuer default rating. The Credit Agreement is subject to a commitment fee on or after the closing date on the average daily undrawn commitments under the Credit Agreement, payable quarterly in arrears, of 0.150% to 0.275% per annum based upon the Company's long term issuer default rating.
The Credit Agreement is subject to representations and warranties, affirmative and negative covenants and events of default that the Company considers customary for similar facilities. The Credit Agreement also includes financial covenants, including a financial strength rating test, a minimum consolidated tangible net worth test and a maximum consolidated indebtedness to total capitalization ratio.
The foregoing description of the Credit Agreement does not purport to be complete and is qualified in its entirety by reference to the Sixth Amended and Restated Credit Agreement, attached hereto as Exhibit 10.1.
Amended and Restated Term Loan Credit Agreement
In addition, on June 10, 2025, the Company entered into a $150,000,000 Amended and Restated Term Loan Credit Agreement (the "Term Loan Facility") with Wells Fargo Bank, N.A., as administrative agent and lender, Truist Bank and Commerzbank AG, New York Branch,
as co-syndication agents and lenders, Citizens Bank, N.A. and HSBC Bank USA, National Association, as lenders and Wells Fargo Securities, LLC, as sole lead arranger and sole bookrunner. The Term Loan Facility has a maturity date of June 9, 2028, and replaces the Company's Term Loan Credit Agreement dated as of July 26, 2019, as amended (the "Existing Term Loan"). The Company will use the Term Loan Facility to refinance the indebtedness outstanding under the Existing Term Loan.
Borrowings under the Term Loan Facility bear interest at a rate per annum equal to, at the option of the Company, (i) adjusted term SOFR plus an applicable margin ranging from 1.375% to 1.750%, or (ii) a base rate plus an applicable margin ranging from 0.375% to 0.750%, in each case with the applicable margin determined based upon the Company's long term issuer default rating.
The Term Loan Facility is subject to representations and warranties, affirmative and negative covenants and events of default that the Company considers customary for similar facilities. The Term Loan Facility also includes financial covenants, including a financial strength rating test, a minimum consolidated tangible net worth test and a maximum consolidated indebtedness to total capitalization ratio.
The foregoing description of the Term Loan Facility does not purport to be complete and is qualified in its entirety by reference to the Amended and Restated Term Loan Credit Agreement, attached hereto as Exhibit 10.2.
Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The information set forth under Item 1.01 above is incorporated herein by reference.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits:
10.1
Sixth
Amended and Restated
Credit Agreement dated June
10
, 2025
*
10.2
Amended and Restated Term Loan Credit Agreement dated June
10
, 202
5
*
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)
*
Portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K. The Company hereby undertakes to furnish supplemental copies of any of the omitted schedules to the SEC upon request.
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 10, 2025
HAMILTON INSURANCE GROUP, LTD.
By:
/s/ Gemma Carreiro
Gemma Carreiro
Group General Counsel