Provided by Treaty Reinsurance

Property Treaty

Our underwriters provide excess of loss protection for your property portfolio.

We don’t believe in relying on other people’s capacity to protect your portfolio. By relying solely on our own Group capacity, we are always in control of our own destiny and yours.  

With our strong financial ratings, we are the market's most stable and consistent reinsurers, writing Risk and Catastrophe excess of loss on a global basis. 

Tokio Marine HCC leads the way when it comes to high-severity, low-frequency top layers where our security makes a big difference to our clients. We always seek to establish long-term relationships with our clients which is why we are the partner you need for the worst-case scenario.  

We employ experienced claims handling staff who are customer focused with the authority to allow prompt assessment, reserving and settlement of claims. This enables us to provide a high level of service to our clients when they most need it. 


Line sizes

  • Property Catastrophe $125 million maximum per programme 

  • Property and Engineering Risk Excess of Loss $15 million per programme  


Our underwriting platforms

  • HCCI (UK registered company) 

  • HCCU (operating from a UK branch) (A.M. Best A++) 

  • HCC Lloyd’s Syndicate 4141 

  • Tokio Marine Europe S.A. (TME)


London Market Claims Team

Our claims professionals work closely with you and your advisors to develop a solution-oriented strategy and to achieve a fair and efficient resolution of any claim. We will also explain how the coverage afforded under a policy applies to each claim, in a timely and comprehensive manner.

Claims handling

Financial strength

We’ve got the financial strength to keep you secure with some of the best financial ratings in the industry.  Our Gross Written Premium for 2023 was $7.6 Billion* and our headcount stands at 4,300** employees worldwide. We underwrite more than 100 classes of specialty insurance in over 180 countries. In brief, we have the global reach, unique insight and financial stability to help you succeed.

* As at December 31, 2023
*As at July 1, 2024

AM Best "Superior" A++
Fitch Ratings "Very Strong" AA-
S&P Global “Strong" A+
Our financial strength

Guides & resources

Treaty Brochure

Find out more about TMHCC's Treaty Reinsurance Team. 

Related products

Your team

Head office

20 Fenchurch St
London EC3M 3BY
United Kingdom

Kirsty Adam
Kirsty Adam

Deputy Head of International Catastrophe / Treaty Underwriter (International)

Edward Ottino
Edward Ottino

Treaty Underwriter (International)

Zach Willis
Zachary Willis

Treaty Underwriter (North America)

Emily Rowland
Emily Rowland

Assistant Underwriter - Treaty Reinsurance (North America)


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