AM Best B++ / bbb · Stable | Bermuda Monetary Authority · Class 3A
(441) 505-8134  ·  info@mozart.bm
Mozart Insurance
Hamilton, Bermuda · Class 3A Specialty Reinsurer

Specialty
reinsurance with
a purpose

Mozart Insurance is a Bermuda-domiciled commercial reinsurer providing capacity across non-life lines for the Americas market — backed by AM Best B++ and exceeding all BMA solvency ratios.

Lines of Business How We Operate
2025 Gross Written Premium
~$45.4M
+19.7% YoY Growth
Lines of Business
Motor Liability (Extra & Contractual)
Home & Commercial Renting
Personal Accident
Electronic Equipment
+ 4 Additional Lines
Solvency Coverage
287%
Statutory Capital / MSM (BMA)
$45.4M
2025 GWP
$26.1M
Total Equity
287%
Solvency Coverage
88.43%
Combined Ratio
B++
AM Best Rating
Our Business Model

The structure behind
non-life underwriting at scale.

Mozart is a Bermuda-domiciled entity providing the reinsurance capacity that enables non-life insurance markets across Latin America to originate and grow with confidence.

The Risk
Non-life insurance risks originated across Latin America — spanning a growing portfolio of lines including motor liability, personal accident, surety, and specialty coverage.
The Structure
Risks are retroceded through Munich Re and Hannover Re — two of the world's leading reinsurers — providing a world-class structural foundation and enabling confident, scalable underwriting.
Our Role
Mozart Insurance Ltd. sits at the apex — a BMA Class 3A, AM Best B++ rated Bermuda entity with the capital, discipline, and capacity to underwrite at scale.
Lines of Business · Current Portfolio

A growing portfolio of
non-life lines

The following lines represent the non-life risks currently retroceded into Mozart from Latin American insurance markets. As the portfolio grows, additional lines will be added.

01

Third Party Liability Motor

Extra and contractual motor liability coverage across the Colombian market, including personal and commercial vehicles.

02

Home & Commercial Renting

Lease tenant insurance covering residential and commercial rental arrangements, including liability and property damage.

03

Personal Accident

Coverage for individuals and groups, with a focus on public transportation accidents within the Colombian market.

04

Electronic Equipment

Breakdown, accidental damage, and business interruption protection for electronic equipment portfolios.

05

Judicial Bonds

Surety products guaranteeing compliance with judicial obligations and court-ordered financial requirements.

06

Contractual & Non-Contractual Civil Liability

Coverage for legal liability arising from contractual or non-contractual civil obligations across multiple sectors.

07

Household Contents

Insurance for personal belongings and household contents against theft, damage, and loss within the home.

08

Extended Warranty & Purchase Protection

Post-purchase coverage extending manufacturer warranties and protecting against product failure or defects.

Financial Information

Consistent strength.
Transparent results.

Key Performance Ratios
Loss Ratio
58.55%
Net claims / Net premiums
Combined Ratio
88.43%
Loss + Expense / Revenue
Premium to Surplus
1.74×
GWP / Shareholders' equity
Solvency Coverage
287%
Statutory capital / MSM (BMA)
Assets to Equity
1.80×
Total assets / Shareholders' equity
Return on Equity
71.2%
Net profit / Shareholders' equity
AM Best B++ / bbb · Stable
Mozart Insurance holds an AM Best Financial Strength Rating of B++ (Good) and Issuer Credit Rating of bbb, both with a Stable outlook — reflecting our consistent solvency and disciplined underwriting.
Bermuda Monetary Authority · Class 3A
Registered and supervised by the BMA as a Class 3A insurance company. Mozart exceeds all required statutory solvency ratios, with a solvency coverage ratio of 287% — well above the regulatory minimum.
Audited by Grant Thornton
Mozart's financial statements are prepared under IFRS and audited annually by Grant Thornton. The company has received a clean audit opinion for every year of operation since 2019.
Consistent, Profitable Growth
Mozart has grown GWP from $3.2M at inception (2019) to ~$45.4M in 2025 — a 14× increase — while maintaining a sub-90% combined ratio throughout. Return on equity stands at 71.2%, underpinned by a well-capitalised balance sheet and a 287% BMA solvency coverage ratio.
GWP Growth Trajectory (USD millions)
$3.2M
$10.9M
$12M
$14.8M
$25.3M
$37.9M
$45.4M
2019 2020 2021 2022 2023 2024 2025
2015
Mozart Insurance initially established as a Bermuda segregated account, beginning to assume non-life reinsurance risk from the Americas.
2019
Formally incorporated as Mozart Insurance Ltd., a Class 3A insurer in Bermuda. All assets, liabilities and equity transferred from the segregated account.
2024
AM Best assigns FSR of B++ and ICR of bbb, both Stable — affirming the company's financial strength and consistent operating performance.
2025
GWP reaches ~$45.4M with a combined ratio of 88.43% and solvency coverage of 287%. Operating from Crawford House, Hamilton, Bermuda.
About Mozart Insurance

Built on discipline.
Focused on purpose.

Mozart Insurance Ltd. is a Bermuda-domiciled Class 3A specialty reinsurer established in 2015. We operate as an offshore entity, providing reinsurance capacity across Latin America.

Our mandate is deliberate and narrow: selected non-life risks in the Americas, underwritten with precision, capitalised conservatively, and audited transparently. With GWP growing from $3.2M in 2019 to ~$45.4M in 2025, the results speak for themselves.

Speak With Our Team
Advisors & Partners Deloitte JP Morgan ASW Law Munich Re Hannover Re Grant Thornton
Contact

Let's start a conversation

Whether you are an existing partner or exploring a new relationship, our team is available to discuss coverage, structure, and terms. We respond promptly and without pretence.

Phone
(441) 505-8134
Email
info@mozart.bm
Office
Crawford House, 50 Cedar Avenue
Hamilton HM11, Bermuda
Daniel Ossa
Managing Director · Mozart Insurance