Mosaic Insurance Services Europe GmbH (Mosaic Insurance Company (Bermuda))
Mosaic Cyber Insurance
by Mosaic Insurance Services Europe GmbH
B2BA+DirectNIS2Broker onlyGlobal (Lloyd's Syndicate 1609)English
Last updated 15.05.2026
Product Details§ 01
Max Insurance Limit
Up to €25M per risk (primary or excess).
Min Premium / Revenue
Revenue threshold >€150M
Market Focus
SME, Mid-market, Large, Multinational
Coverage
Cyber crime / FTF, Primary & excess, GenAI coverage
AM Best Rating
A+ (Superior) – AM Best (Lloyd's Syndicate 1609 + A+-rated global carriers).
MGA / Direct
No – Direct insurer (Lloyd's Syndicate 1609).
Policy Language
English
NIS2 / DORA Support
NIS2 and DORA compliance advisory included.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global (Lloyd's Syndicate 1609).
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- Mosaic Insurance: Bermuda-based global specialty insurer; founded 2021; seven specialty lines (cyber, FI, transactional liability, political risk, political violence, environmental liability, professional liability).
- Lloyd's Syndicate 1609; A+-rated global carrier partners; global regulatory licences.
- Underwriting hubs: London, USA, Bermuda, Canada, Europe, Dubai, Singapore.
- Brian Bonkoski (Global Head of Cyber): 'global regulatory licences and underwriting hubs in London, US, Bermuda, Canada, Europe, Dubai, and Singapore — seamless coverage to clients regardless of domicile or jurisdictions they serve.'
- Coverage: security and privacy liability, business interruption, voluntary shutdown, cyber extortion, data recovery, tech E&O. GenAI risk coverage (some categories) included. Reinstatement options available.
- Canada: capacity increased to USD 25M / CAD 40M per risk effective January 2026.
Limitations
- Specialty market product — financial institutions, technology, digital assets, and complex commercial risks.
- Broker-only distribution via Mosaic's worldwide agency network.
- Nation-state exclusions apply.
- No appetite for:
- Government entities;
- Schools, colleges, universities;
- Airlines/airports and related industries;
- Social media
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
Via policy; breach response panel.
Broker Contact