Provided by Specialty Group

Contingent Personal Accident

Cover for lost salaries, revenue and other irrecoverable expenses in the event of the death, injury and illness of key personnel.


When a business loses a key performer, it can cause real and lasting financial problems.

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 revenue they generate.

Tokio Marine HCC's contingent personal accident protection is proactive, rather than reactive so 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
  • Three year policy periods
  • Five year benefit periods
  • Worldwide coverage

Best for

  • 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 of the policy 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.

Your team

Head office

401 Edgewater Place Drive, Suite 400
Wakefield, MA 01880

Contact photo
Kathy Bouras

USA - Vice President of Prestige Underwriting

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why choose tmhcc

Why choose 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.

More about us Financial strength

Not all products, coverages, or features may be available in all states. Restrictions, exclusions, limitations, and conditions apply and you should see your agent for more information. Certain products and services are provided through non-admitted insurance carriers and are not subject to certain State Guaranty Funds.