Provided by Specialty Group

Key Person Disability

An accident and sickness policy purchased by a third party to insure against the loss of a key employee.


If your business success is dependent on key individuals and executives, their loss or departure could have an arresting effect on your growth and future success.

These crucial executives empower the business to effectively compete and grow. Without them, the entire future of the company could be in jeopardy.

With the right coverage from Tokio Marine HCC – Specialty Group, even if your star performer leaves, it should not mean the end of your success.


  • 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

Best for

  • 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 that 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.

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.