Excess of Loss Credit

Tokio Marine HCC’s excess of loss credit insurance offers protection against exceptional losses for mid-sized or large businesses with strong credit management practices. It is designed for those clients with higher levels of turnover on a risk share basis and allows large discretionary credit limits.


  • Non-cancellable cover available
  • Direct access to our specialist risk underwriters
  • Allocated commercial underwriter for each customer
  • Ability to provide bespoke policy wording to support individual business practices and processes
  • Large discretionary credit limits allowed
  • Insured carries a policy excess at a level that represents a comfortable risk share and removes all usual attritional losses
  • Allows for a lower premium compared to a full-service whole turnover policy
  • Market leading specialist claims service
  • Access to commercial debt collection services via our partner, Nelsons
  • Part of a large global insurance group with Very Strong rating by Standard & Poor's
  • Local personalised service and global reach

Best For

  • Contractors and sub-contractors
  • Distributors
  • Manufacturers
  • Service providers
  • Trading companies
  • Wholesalers

Summary of Coverage

Excess of loss policies are written for companies with proven credit management capabilities. Coverage generally includes a first-loss deductible which can be adjusted to meet a policyholder’s desired structure and target premium. Coverage is available to insureds on a portfolio or select key accounts basis, protecting a company from catastrophic loss relating to large credit exposures. All goods and services are eligible for coverage with no limitation regarding where the product is manufactured. Premium payment options are available based on sales, account receivables, approved credit limit or a fixed amount.

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, a $37 billion company

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