Mosaic protects clients against the risk their activities damage the environment, incurring costs and liabilities. Our suite of proprietary environmental insurance policies is customized for companies facing risks through business activities, including ownership and operation of industrial facilities, mergers and acquisitions, property developments and investments, and the provision of contracted work and advice to third parties.

We also help a wide range of financial institutions whose exposure to environmental risk may indirectly stem from lending to, investing in, or advising, third parties. Our client base is drawn from numerous industry sectors—oil and gas, metal mining, power generation, waste management, real estate, banks and private equity.

We support companies that are committed to transitioning to a more sustainable, low-carbon future.

Mosaic offers lead market coverage, along with syndicated capacity from trade partners, with a maximum limit of USD$25 million.



Jim leads Mosaic’s global environmental liability division. With more than 30 years of experience working in the sector as an underwriter, broker, adviser, and engineer, his focus includes underwriting environmental risks for corporate and private-equity clients in mergers and acquisitions (M&A). Previously, he established and managed SCOR’s environmental and transactional liability team. Prior, he held senior positions at Aon, Marsh, and Chubb in Europe, Bermuda, Singapore, and Australia.
+44 (0)7928 455 654

David underwrites environmental liability risk at Mosaic. He previously spent seven years as an underwriter in the sector at SCOR. A geologist, he originally worked in the offshore oil industry before becoming an environmental consultant, focusing on contaminated land risk assessment and remediation. David began his insurance career as a broker for environmental risks at both Willis and Marsh, before moving to underwriting. He was European manager of environmental liability at Chubb
+44 (0)7557 431 305

Will underwrites a diverse range of environmental risks for Mosaic, with a regional focus on North America. Previously, Will spent eight years as an underwriter at SCOR. Before working in insurance, he was an environmental consultant in the UK and South Africa.
+44 (0)7525 590 161

Taylor is responsible for growth and execution of Mosaic’s environmental liability strategy in the US. He has 20 years’ experience in the sector in North America, and has held brokering, underwriting, and management roles in environmental liability, property, and other casualty products. Previously, he was a senior leader with Chubb’s environmental division and managed underwriting teams in Philadelphia and Pittsburgh. He started his career in the environmental brokering unit at Aon, Toronto.
+1 215 720 6380

Toby underwrites environmental risks at Mosaic and is helping build out the portfolio with a primary focus  on the US and Canada. Previously, he held underwriting and broking roles at Chubb and Howden, respectively. He has an Environmental Science degree from the University of Southampton, UK.
+44 (0)7502 132 832

Cassidy supports the environmental team, analyzing data, and helping build broker relationships. She previously practiced as an associate at Ndlovu de Villiers Attorneys, an environmental specialist law firm based in KwaZulu-Natal, South Africa. Her experience lies within environmental compliance, permitting, regulatory enforcement, and the process surrounding declaration of protected areas. She has a Bachelor of Laws (LLB) degree and is an admitted attorney of the High Court of South Africa.
+44 (0)7375 336 196

Ricardo is responsible for growth and execution of strategy, working with our global environmental team. He has more than 25 years of environmental insurance experience in loss control, underwriting, and portfolio management at AIG, ACE INA Insurance (now Chubb), and Markel Canada. He started his environmental-risk consulting company in 2018 and most recently worked for an Ontario environmental contractor, carrying out estimation, tender negotiation, and project management. His background is in environmental risk assessment (ecotoxicology) and biochemistry.
+1 647 880 1488