Key Person Disability

The success of a corporation depends on key individuals and executives who are the leaders and drivers of the firm. These crucial executives make decisions to help their businesses effectively compete in their industries. Without these executives, the future of the company can be in jeopardy.


  • Market leading levels of capacity
  • Rated A+ (Strong) by Standard & Poor’s 
  • Rated A++ (Superior)by A.M. Best Company
  • Worldwide coverage

Best For

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

Summary of Coverage

Key man disability insurance is an accident and sickness policy purchased by a third party to insure for the financial loss of a key employee whose expertise and skill-set have established them as an irreplaceable asset to their firm. 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. It can take the form of pure key man, buy-sell or business loan covers.

Specific coverage:

  • Accidental death
  • Critical asset protection
  • Permanent total disablement
  • Temporary total disablement

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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