Mosaic Insurance

Mosaic is a next-generation global specialty insurer, founded by industry leaders Mitch Blaser and Mark Wheeler. An underwriting company, Mosaic is distinguished by an exceptional team, agile technology, and a novel structure that combines Lloyd’s of London strength with syndicated capacity, along with a network to match proprietary and syndicated partner capital with the most complex risks around the world.
In partnership with

Mosaic’s Syndicate 1609 at Lloyd’s is coupled with wholly-owned capital management agencies, diversifying risk coverage for clients across seven countries and seven product lines. Capital partners have the opportunity to tailor their engagement from whole-portfolio participation to specific products and target geographies.

Headquartered in Bermuda, with offices in London, New York, Chicago, Toronto, Frankfurt, Dubai and Singapore, Mosaic is one of the industry’s much publicized “Class of 2020–21,” born during the pandemic. As a fast-emerging syndicate-platformed business and agency, Mosaic has the advantage of ‘no legacy’ (neither in tech nor balance sheet) over other existing insurance markets.

Mosaic has adopted a striking approach to its brand identity, which gives a real sense of leading-edge and an attitude towards innovation and disruption: a true challenger brand.

Born in an era of cloud technology, Mosaic has adopted a data-first strategy, leveraging artificial intelligence and other agile software to support its underwriters and submission intake. Cutting-edge actuarial software is built into its platform to streamline processes, provide real-time analytics, and create a frictionless process.

Mosaic is starting to appear on Gracechurch trackers across underwriting and employer-brand studies. The firm is also performing well on the Insurindex social-media tracker, achieving engagement rates inside the top-20 London Market Specialty brand index.



Mosaic in five

Shortlisted among insurers that have made the greatest improvements to their underwriting service over the past 12 months in the 2023 London's Leading Underwriter Report.
Received multiple commendations for underwriter strengths in both Political Violence and Professional & Financial Lines.
Receives mentions as both a top place to work and as a top-of-mind London insurer in Gracechurch's proprietary reports.
Mosaic's claims service is rated well above the market average in each of the main five dimensions, including Speed and Responsiveness.
Claims team is well respected by the broker community, which praises their individuals, teamwork, and knowledge.



Keep a look out for the branded Mosaic twin taxis in London on the 14 September as part of the insurer’s charity mega-marathon for Fight Bladder Cancer by our Tom Dilley who is honouring his late father. Please tip this worthy cause here:

Mosaic people

Mosaic reaps the benefits of a team that owns outstanding track records, long-established industry relationships, and trusted reputations. Its leadership brings proven experience in building successful specialty businesses, at Lloyd’s and internationally.

Krishnan Ethirajan
Chief Operating Officer

Krishnan is a founding member of Mosaic, responsible for global operations, partnerships, technology, and build-out of Mosaic’s leading insurtech platform and digital managing agency assets. He previously was COO of Ironshore International and IronServe, responsible for technology and operations across global platforms. In 2017, he became a lead transformation officer for Liberty Mutual Group’s commercial lines division. Formerly, Krishnan was insurance sector leader for the shared services and operations practice at PricewaterhouseCoopers.

Lisa Fontanetta
Chief of Staff​

A senior strategist and a founding executive of Mosaic, Lisa oversees all strategic operational functions, including financial planning and analysis, human resources, communications and marketing. Previously, as part of the founding team at Ironshore Inc, she served as Ironshore’s head of strategic operations, focusing on global financial and strategic initiatives and overseeing capital markets transactions, board reporting, investor relations, and rating-agency management. Lisa began her career at Swiss Re America in finance planning and analysis roles.

Tim Glover
Chief Underwriting Officer

With more than 30 years’ experience in the London and global insurance markets, Tim oversees all underwriting activities, portfolio management, claims, reinsurance, pricing and reserving at Mosaic. He was one of the founders of Pembroke Managing Agency and Syndicate 4000, which became a top-quartile performing Lloyd’s business. He began his career at RM Pateman Managing Agency, and also worked at Hiscox and SVB syndicates.

Reeva Bakhshi
Chief Financial Officer

Reeva has more than 25 years’ experience in financial services, including across international re/insurance markets. She directs Mosaic’s finance organisation as CFO, providing strategic leadership across financial reporting, planning, and capital management. Reeva previously served as SVP, treasurer and deputy CFO at Alleghany Corporation, and board member of TransRe, RSUI and CapSpecialty. Prior to Alleghany, she was CFO at Aspen Insurance, and CFO at Hiscox across a number of operations, including Hiscox Re and ILS, Europe, and Special Risks. Qualified as a chartered accountant, she began her career at PricewaterhouseCoopers.

Oz Haque
Capital Solutions Officer

A finance and M&A professional with 20 years of investment banking experience, Oz has focused on the insurance industry through most of his career. A founding member of Mosaic, he works with the rest of the leadership team on overall strategic direction and manages alternative capital strategies. Oz previously was a managing director at boutique investment bank Foros, concentrating on mergers and acquisitions across industries. Prior, he was a director in the financial institutions group at Deutsche Bank, advising on company acquisitions, sales, and capital raises. He started his investment banking career at Lazard, after research roles at the World Bank and International Finance Corporation.