UPC Insurance Company Overview and ESG Strategy

Premium vs. Exposure Trending Favorably We expect this gap to continue widening based on rate & exposure management actions TIV (Billions) Pooled Companies (UPC/FSIC/ACIC) Monthly Prem/TIV Change $325 $315 Total Change 23.4% 0.29% $1,250 Premium Goal = $1,200 -0.71% $1,150 1.53% $305 4.30% $1,100 3.35% $295 2.17% 1.60% $285 2.44% $1,050 $1,000 4.12% $275 2.26% $265 $255 TIV Goal = $950 2.07% -1.07% -0.66% $900 0.68% 0.40% 0.40% 2.30% -5.80% $850 3.81% $245 $235 Dec-18 2.68% Total Change 4.6% $750 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 TIV Prem $800 13 Premium (Millions)

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