RenaissanceRe Holdings Ltd (NYSE: RNR) is a Bermuda-headquartered reinsurance company that underwrites property and casualty reinsurance and specialty reinsurance risks for cedants worldwide. The company makes money by collecting premiums on reinsurance contracts and investing the resulting float, with underwriting profit measured by the combined ratio and investment income reported separately. RenaissanceRe operates across two reportable segments, Property and Casualty and Specialty, and distributes capacity through both traditional reinsurance treaties and its managed joint ventures and third-party capital vehicles. The company filed its 10-K for the fiscal year ended December 31, 2025, with the SEC on February 11, 2026 (accession 0000913144-26-000012).

Revenue model

Premium income from property catastrophe, casualty, and specialty reinsurance contracts, supplemented by net investment income on the float and fee income from managing third-party capital through joint ventures and sidecars.

Products and services

Property catastrophe reinsurance, casualty reinsurance, specialty reinsurance, third-party capital management vehicles (joint ventures and sidecars).

Customers and end markets

Primary insurance companies (cedants) seeking reinsurance protection for catastrophe, casualty, and specialty exposures globally.

Value-chain role

Reinsurer and third-party catastrophe risk capital manager, sitting between primary insurers and capital markets investors.

Geographic exposure

Global, with headquarters in Bermuda.

Source: SEC 10-K, filed 2026-02-11

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