Mosaic Cyber Insurance
Mosaic Cyber Insurance is a cyber insurance product underwritten by Mosaic Insurance Services Europe GmbH (Mosaic Insurance Company (Bermuda)), available in Belgium. It is aimed at small and medium-sized businesses, mid-market companies, large enterprises and multinational groups. Coverage limits reach up to Up to €25M per risk (primary or excess).. The policy extends beyond standard cyber liability with Cyber crime / FTF, Primary & excess and GenAI coverage. Policyholders get 2 bundled proactive services — Incident response and Crisis management — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best (Lloyd's Syndicate 1609 + A+-rated global carriers).. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
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
Frequently asked questions§ 04
+Who is Mosaic Cyber Insurance designed for?
Mosaic Cyber Insurance by Mosaic Insurance Services Europe GmbH targets small and medium-sized businesses, mid-market companies, large enterprises and multinational groups in Belgium. Geographic scope: Global (Lloyd's Syndicate 1609)..
+What proactive security services are included with Mosaic Cyber Insurance?
The policy bundles 2 proactive services: Incident response and Crisis management. These preventive services are typically included in the premium.
+Does Mosaic Cyber Insurance help with NIS2 or DORA compliance?
Mosaic Insurance Services Europe GmbH indicates the following NIS2/DORA support for this product: NIS2 and DORA compliance advisory included..
+How can I buy Mosaic Cyber Insurance in Belgium?
Mosaic Cyber Insurance is sold through insurance brokers — broker contact: https://www.mosaicinsurance.com/contact/. Compare it with alternatives in Belgium on Ryskly before approaching a broker.