2026 MODERN SLAVERY STATEMENT (UK)

This statement is made on behalf of companies within Accredited Insurance Holdings Inc., further to the provisions of the UK Modern Slavery Act 2015.

About Us

Accredited Insurance Holdings Inc., and its subsidiary businesses (the “Group” or “Accredited”) form a diverse insurance group, headquartered and operating in the USA with extensive operations across the UK, USA, and Europe. The Group is a specialty insurer in the USA, UK and Europe, connecting capital providers, such as reinsurers, with niche underwriting businesses, such as MGAs.

The Group companies within scope of this statement are Accredited Insurance (Europe) Limited (incorporated in Malta), which carries on business in the UK through its UK establishment, Accredited Insurance (Europe) Limited – UK Branch, together with Accredited Insurance (UK) Limited.

A Responsible Business

In the year to 31 December 2025 the Group maintained its commitment to its Code of Conduct, which places Responsibility as a core value and, within that, stresses Accountability and Transparency. Accredited remained committed to integrating the relevant ESG issues, including Modern Slavery and Human Trafficking, into our recruitment, training and employee engagement programmes and into our tender and selection processes for suppliers.

Our Supply Chains

The Group operated within a regulated environment across the UK and Europe and did not obtain goods or material services from suppliers assessed as carrying a high risk of slavery or human trafficking. Insurance is not generally regarded as a high-risk sector for modern slavery and human trafficking, and our employees work in roles that are primarily office-based and generally require specialist qualifications. We recognise, however, that the principal residual risk in a business such as ours sits in outsourced and procured services, including facilities management (such as cleaning, catering and security), IT hardware and managed services, and the use of recruitment and temporary agency labour, and our due diligence is focused accordingly. We conducted regular due diligence (detailed below) and ongoing oversight across our business and supply chains, with particular attention to partners to whom we outsourced activities and assessed the residual risk of modern slavery or human trafficking within our business or supply chains to be low.

 

Our Due Diligence and Mitigation processes

Accredited complied with legal and regulatory requirements everywhere it conducted business and embedded its Code of Conduct across its activities. The Code continued to affirm the Group’s commitment to compliance with equal employment opportunity laws and other applicable civil rights, human rights and employment and labour laws. Accredited expected staff to behave ethically and transparently and to be accountable for their actions.

During the year, Accredited’s policies, frameworks, and actions continued, with the aim to prevent modern slavery and human trafficking in its business and supply lines, and included:

Human Resources

• employment verification checks as part of the Group’s hiring process
• requiring agencies who supply workers to carry out employment verification checks, where relevant
• providing regular training for staff on sanctions restrictions, anti-bribery, anti-money laundering, and modern slavery and anti-trafficking legislation

 

Operations

• supplier due diligence using detailed questionnaires incorporating a new supplier form and sanctions checking procedures
• subjecting key business transactions to both onboarding and periodic regulatory screening
• providing ongoing training and support for all staff on how and where they can raise concerns about wrongdoing and assurances that they will not suffer reprisals for doing so
• providing a Whistleblowing Policy and Procedure, guiding staff on ways of whistleblowing, including an independent externally hosted whistleblowing platform through which staff can raise concerns.

 

Monitoring Effectiveness

During the year, Accredited monitored the operation of these measures through completion of supplier due diligence and sanctions screening, completion rates for relevant staff training, and review of any matters raised through its whistleblowing channels. No instances of modern slavery or human trafficking were identified within the Group’s business or supply chains during the year. Accredited will continue to develop the metrics by which it assesses the effectiveness of these measures and will report on its progress year on year.

 

Anti-Slavery Policy Statement by the Chief Executive Officer and Director of Accredited Insurance Holdings Inc.

Accredited Insurance Holdings Inc. has zero tolerance towards slavery and human trafficking and is committed to ensuring that these activities do not occur throughout our supply chain or across any part of our business.

This statement reflects our commitment to behaving and acting ethically throughout all our business relationships and to ensuring that we implement and enforce effective systems and controls to ensure that slavery and human trafficking does not take place anywhere throughout our business and supply chains.

Accredited is committed to operating a responsible business to the benefit of all its stakeholders and complies with relevant UK and European legal requirements to which it is subject.

Review

This statement is made pursuant to section 54(1) of the Modern Slavery Act 2015 and constitutes the slavery and human trafficking statement of the Group companies named above for the financial year ended 31 December 2025. It has been approved on behalf of the Group, including each of the Group companies named above, by the board of directors of Accredited Insurance Holdings Inc. on [26 June 2026], which has authority to approve this statement on their behalf. The Group will review, update and publish this statement on an annual basis. This statement is published on the Group’s website, with a link in a prominent place on the relevant homepage.

William Spiegel

Chief Executive Officer and Director

Accredited Insurance Holdings Inc.