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Mosaic Insurance has launched a European political violence underwriting facility through its Cologne hub, with up to €100 million in syndicated capacity reported for the facility. The stated route is direct access for European Economic Area (EEA) brokers—not an automatic €100 million limit for each insured. The launch details come from Reinsurance News and CIR Magazine.
What Mosaic has launched
The October 2026 trade coverage describes a political violence facility operating through Mosaic’s Cologne, Germany hub. It is a commercial insurance expansion, not a consumer product. Mosaic says the facility is intended to write EEA business directly to EEA brokers; that description does not establish that every EEA broker, territory, business, or risk will be eligible.
The reported capacity is up to €100 million across a syndicated facility. Syndicated capacity is not a guaranteed limit for an individual policy, nor does it mean every submission will be accepted. The launch reports do not identify the participating markets, how capacity is allocated, or the attachment structure. Buyers should confirm those details with their broker and the applicable policy documentation.
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Launch coverage describes potential cover for commercial, industrial, and residential property risks associated with:
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- Terrorism and sabotage
- Malicious damage
- Strikes, riots, and civil commotion (SRCC)
- Active assailant incidents
- War perils
- Related liability
These are reported categories, not a promise that every peril is available for every insured or property. The trade coverage does not establish policy definitions, event triggers, exclusions, sublimits, waiting periods, claims provisions, or business interruption terms. Those details must be checked in the specific wording and quote.
Who can access the facility
The clearest stated access route is through EEA brokers, with business written via Mosaic’s German hub. Dennis Bertram, Mosaic’s Managing Director for Europe, said: “By offering coverage through our German hub, we are able to write European Economic Area (EEA) business directly to EEA brokers,” according to Reinsurance News.
That does not settle whether a particular broker or risk is eligible. A buyer should ask a specialist commercial broker to confirm Mosaic’s current appetite, the relevant territory and property scope, and whether the desired cover can be quoted and bound.
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What the €100 million figure does—and does not—tell buyers
The figure describes announced facility capacity, not a per-policy limit or a guaranteed amount available to any one buyer. The launch reports do not provide enough contract-level information to determine the limit available for a specific risk or how participating insurers share it. Confirm the proposed limit, retention or attachment, participating insurers, and any sublimits in the placement and policy documents.
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For an informed comparison with another policy, request details on event definitions and triggers; territorial and property scope; business interruption and contingent loss; related liability; exclusions and waiting periods; limits and sublimits; retention or attachment; insurer counterparties; and broker access. The available launch reporting does not provide enough detail to score Mosaic’s wording against alternatives.
Why Mosaic says it is expanding in Europe
Mosaic representatives framed the launch as a response to Europe’s varied political violence exposures, including terrorism, state-backed sabotage, and social unrest. Adam McGrath, Mosaic’s Global Head of Political Violence, said the company was using its Cologne presence and regional foothold to expand into Europe. These are the company’s stated rationale and positioning, not independent evidence of a measured increase in demand or losses; the cited launch coverage supplies no named, independently published statistic quantifying either.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How the launch fits Mosaic’s existing business
Mosaic’s political violence product page describes standalone terrorism and political violence insurance for businesses and lists offerings for the US, international markets, and Dubai, as well as active assailant and fine art/specie products. It provides general product context, not the new European facility’s complete wording.
Mosaic’s official 9 March 2021 announcement said it had begun underwriting war, terrorism, and political violence risks globally. That is historical company background; it is distinct from the European facility announced in 2026, and its then-current capacity should not be treated as current European capacity.
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Reinsurance News reported a political violence team of twelve specialists in 2026. That is company-reported staffing information, not a measure of market size or capacity. The launch reporting quotes McGrath and Bertram on the expansion and Cologne route.
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