Contingent Personal Accident

Contingent personal accident protection is a specialized policy which protects against death, injury and illness of key personnel and the resulting loss of salaries, and any other irrecoverable expenses or the revenue they generate. Tokio Marine HCC's contingent personal accident protection is proactive, rather than reactive. We will help you determine all the possible scenarios for which you need coverage.


  • Limits of up to $100 million are available and higher limits may be available upon request
  • 3-year policy periods
  • 5-year benefit periods
  • Worldwide coverage

Target Insureds

  • Athletes
  • Coaches
  • Spokespersons
  • Entertainers and entertainment industry professionals
  • Executives
  • Individuals with high net worth

Summary of Coverage

Coverage is provided on a net ascertained loss basis once the triggers of the policy are met. The triggers are death, injury or illness of the insured, and the associated direct loss of expected future income or revenue. Contingent personal accident coverage is more comprehensive than temporary total disability and permanent total disability insurance.

Related Products

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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