Key Person Disability

The success of a corporation often depends on a few key individuals and executives who are the leaders and drivers of the firm. These crucial executives empower the business to effectively compete and grow. Without these executives, the entire future of the company could be in jeopardy.


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

Target Insureds

  • Executives
  • Business owners
  • Hedge fund managers
  • Private equity partners
  • Private corporations
  • Public corporations
  • Financial advisors

Summary of Coverage

Key person disability insurance is an accident and sickness policy purchased by a third party to insure against the loss of a key employee who is an irreplaceable asset of the firm due to his or her unique expertise and skills. This product also benefits businesses which are concerned about protecting and insuring their human capital asset in the acquisition or investment in a new company, while protecting the short-term cash flow needs of the corporation.

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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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