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What Mosaic announced
Reinsurance News reported on 2 October 2026 that Mosaic’s European political violence facility would operate through its Cologne, Germany hub and write EEA business directly to EEA brokers. The report describes up to €100 million of syndicated capacity. Reinsurance News and CIR Magazine reported the capacity figure; it is an announced facility capacity, not a promise that any one policy will receive €100 million or that every submission will be accepted.
The launch reporting does not establish the participating markets, how capacity is allocated, an individual insured’s available limit, or the facility’s attachment and retention structure. Those details depend on the proposed placement and its documentation.
What risks and property types are reported as in scope
The launch coverage describes tailored cover for commercial, industrial and residential property risks associated with the following event categories, as well as related liability:
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- Terrorism and sabotage
- Malicious damage
- Strikes, riots and civil commotion (SRCC)
- Active assailant incidents
- War perils
These are categories reported in connection with the facility, not a definitive list of cover automatically included in every policy. The available launch reporting does not set out event definitions or triggers, exclusions, sublimits, waiting periods, claims provisions, or business interruption terms. It also does not establish that every listed peril is available for every property or submission.
Mosaic’s political violence product page describes standalone terrorism and political violence insurance as protection businesses can use to address risks and recover after losses. It lists offerings for US and international markets and Dubai, along with active assailant and fine art/specie products. That general product information does not supply the European facility’s policy wording.
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Who can access it
The clearest access route in the launch coverage is through EEA brokers dealing directly with Mosaic’s German hub. Mosaic Managing Director for Europe Dennis Bertram said the hub allows the company to write EEA business directly to EEA brokers, as quoted by Reinsurance News. That route does not establish eligibility for all brokers, buyers, territories, or risk types. A broker will need to confirm whether Mosaic will consider a particular risk and on what terms.
For a buyer assessing a placement, the questions to resolve with a qualified commercial broker and the applicable policy documents include:
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- Which events are covered, how they are defined, and what must happen to trigger cover?
- Which locations, property classes, and related liabilities are included?
- Whether business interruption or contingent losses are covered, and on what basis.
- What limits, sublimits, exclusions, waiting periods, retentions, and attachment points apply?
- Which insurers participate in the syndicated capacity and what portion each supports?
Why Mosaic says it is expanding in Europe
Mosaic representatives characterized the launch as a response to Europe’s varied exposure to political violence, including terrorism, state-backed sabotage, and social unrest. This is the company’s stated rationale, not an independently measured trend or quantified forecast. The launch coverage does not provide an independently published statistic for European demand, insured losses, or market size.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How the European launch fits Mosaic’s history
Mosaic’s official release dated 9 March 2021 said the company had begun underwriting war, terrorism, and political violence risks globally, including for commercial, industrial, and residential property exposures and associated liability. That is historical company information; it should not be read as the launch date or a current capacity figure for the 2026 European facility. See Mosaic’s 2021 announcement.
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The 2026 trade report quotes Adam McGrath, Mosaic’s Global Head of Political Violence, and Bertram on the launch and Cologne distribution route. Mosaic’s current product page names McGrath in that global role and lists a distributed underwriting team.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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