Task Force on Climate-Related Financial Disclosures (UFG TCFDreport 2025 FINAL)

Letter from our President and CEO 3

About UFG Insurance 4

Governance 5

Board oversight 6

Management oversight 7

Strategy 8

Climate-related risks, opportunities and

time horizons 9

Impact on strategy and financial planning 12

Risk management 13

Process of identifying and assessing

climate-related risks 14

Process of managing and integrating

climate-related risks 15

Metrics and targets 16

Environmental data 17

About this report 18

After issuing our inaugural report aligned with the recommendations of the Task Force on Climate-Related Financial Disclosures (TCFD) in 2022, UFG Insurance (UFG)

is pleased to present our second TCFD report for 2025 as part of our ongoing commitment to climate-related transparency.

As a property and casualty insurer, UFG is acutely aware of the growing risks to the industry, insureds and communities stemming from climate change. We recognize that both internal and external stakeholders are increasingly focused on our approach to corporate responsibility, including environmental, social and governance (ESG) matters.

In response, UFG has implemented a cross-functional approach to ensure that ESG matters - including climate change - are incorporated into our corporate

planning discussions. We believe it is critical to provide transparency to stakeholders concerning how we are managing climate risk and addressing the global transition to net zero within our business.

At UFG, we are driven by a commitment to doing business the right way, working together as one to deliver on our promises to shareholders, agents, policyholders, employees and the communities where we live and work. Our company takes its responsibilities to stakeholders seriously and will continue to enhance and act on our understanding of the risks and opportunities a changing climate presents to

our business.

We look forward to sharing the evolution of our strategy and management of these risks in our latest TCFD report, as well as how they interplay with our strategic objectives of long-term profitability, diversified growth and continuous innovation.

Kevin J. Leidwinger

President and Chief Executive Officer

Founded in 1946, UFG Insurance is a property and casualty insurance

company with 80 years of local market expertise and a growing national footprint. We provide insurance protection to businesses across the country, represented by more than 850 independent agencies.

Our company is headquartered in Cedar Rapids, Iowa, with offices in Arizona, California, Colorado, New Jersey and Texas. With more than 850 employees, we pride ourselves on delivering deep expertise, specialized capabilities, personal relationships and responsive service to our agents and policyholders.

At UFG, we are committed to achieving superior financial and operational performance, using our eight decades of experience to successfully guide us through market cycles and industry challenges. We hold a financial strength rating of "A-" (Excellent) from AM Best that was affirmed in August 2025, reflecting our long-term balance sheet strength.

Grounded in robust governance practices and strengthened by cross-functional collaboration, our company is positioned to thoughtfully integrate environmental, social and governance (ESG) considerations and climate-related

risks and opportunities into corporate planning discussions, ensuring long-term resilience and sustainable value creation.