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Commercial Property
Our property underwriters are situated in the London, the centre of the global insurance market, and are dedicated to offering an extensive variety of commercial insurance solutions for a worldwide client base. Our underwriting philosophy ensures that each and every client is treated with the same exacting standards. All risks are written on a subscription basis to provide a greater spread of risk.
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Bid Bonds
If you submit a tender for a public work contract, you may be required to post a bid bond. The bid bond guarantees that if you win the bid, you will proceed to enter into contract and to perform the work as set out your bid. It may also guarantee your obligation to provide a contract performance bond if your bid is successful.
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Advance Payment Bonds
If you receive an advance payment from your client, an advance payment bond can secure the payment until the work has been completed or the services have been provided. Normally the amount of the bond equals the sum advanced.
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CEND
Emerging markets often provide the strongest growth opportunities for banks, traders and manufacturers. In recent years, it has again become evident that emerging markets which appear stable one day can suddenly face political unrest. Economic instability can influence a government's interference in a business's operations and investments. CEND insurance policies offered by Tokio Marine HCC can provide solutions to these problems and help secure interests in dynamic markets worldwide.
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Developers Road and Infrastructure Bonds
If you are a house builder or a property developer intending to commence a new development, the relevant authorities (often the municipality or local authority) may require you to provide bonds to secure the cost of completing the necessary infrastructure, particularly in relation to the roads and sewers.
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Performance Bonds
A performance bond guarantees to your client that you will carry out and complete a project (or sub-contract) according to the terms and conditions of the contract. It provides security to the owner that in the event of your default, the owner’s losses and damages will be paid under the bond, subject to a stated maximum amount. Generally default is caused by insolvency.
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Pension Bonds
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Payment & Deferred Payment Bonds
If you enter into a contract where you are obliged to make payments at a defined future date, you may be required to post a bond. An example could relate to the sale of land whereby the landowner is willing to sell and transfer ownership of land to a house builder or property developer, but where not all of the purchase price will be paid upon the legal completion of the sale. A deferred consideration bond can guarantee payment of future instalments if the house builder or developer defaults.
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Travel Risk Management Services
For more than two decades, On Call International has helped travelers and their organizations not only manage and respond to travel emergencies when they arise, but also prepare for and even prevent them before they happen.
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StudentSecure®
International study comes with some financial risk, and many medical insurance policies do not apply beyond the borders of your home country. A StudentSecure health plan can reduce your personal expenses if an unexpected illness or injury should occur during your study abroad program.
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Atlas Travel
Atlas Travel helps protect you from potential financial disaster while traveling abroad with benefits including inpatient and outpatient medical expenses, $1,000,000 of coverage for emergency medical evacuation, coverage for lost checked baggage, and many other important benefits. Atlas Travel helps you travel confidently with greater peace of mind.
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Atlas Premium
International travel comes with some financial risk. The benefits of many standard medical insurance policies do not apply beyond the borders of your home country. A travel medical insurance plan can mean the difference between a trip ruined by unexpected illness or injury, and a trip with access to quality care and financial help if an unexpected situation arises.
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Atlas Group
Atlas group insurance offers the same benefits and services as our popular Atlas travel health insurance plan at a 10% discount for groups or families of five or more. These features make Atlas group a leading option for student groups, missionary organizations, and corporations who travel worldwide.
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Business Travel Medical
For the employee stationed abroad, GroupSecure Business Travel Medical insurance provides exceptional, quality coverage while away from home.
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Business Travel Accident
With Tokio Marine HCC's GroupSecure business travel accident policy, you will have the peace of mind of knowing that your employees and your business are protected in every situation. Allow us to manage your business travel risk so you can focus on what you do best - growing your business!
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Structured Products
Tokio Marine HCC considers unusual insurance opportunities that incorporate credit risk, diminution in asset value risk, legal risk or other composite financial risks. Typically, the motivation of the insured for protection is driven by something other than pure risk transfer.
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Technical Property Risks
We specialize in insuring technical business classes that do not fit within the traditional definition of general property, focusing on Petroleum, Petrochemical, Power, Chemical and Process Industries.
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Mortgage (Re)Insurance
Changing regulatory and rating agency environmental or economic conditions can force lenders and insurance companies to meet increased capital requirements and experience capital loss. Tokio Marine HCC provides mortgage default protection to lenders, insurance companies, repo-counterparties, investors and residential and multi-family mortgage-backed security bond holders to mitigate the risk of mortgage default.
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Marine
At Tokio Marine HCC, we aim to provide a market leading service to clients and their brokers utilising our highly experienced and respected team of underwriters and claims adjusters. Shipping presents many challenges to the modern operator – construction and conversion risks, new technology to cope with environmental legislation, changing trade routes and potentially volatile geo-political activity. We offer a variety of products to meet these evolving needs.
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Energy
Tokio Marine HCC has a specialist and experienced team of underwriters based in London, at the centre of the energy insurance market, providing first class and efficient service to worldwide clients and brokers. We are an acknowledged leader in this class of business and our team has over 80 years of combined experience. We offer integrated products covering the complex requirements of clients in the energy supply chain and bespoke risk solutions to the oil and gas industry.
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Residual Value
Tokio Marine HCC underwrites Residual Value Guarantees (RVG) for aircraft, commercial real estate and other assets. RVG insurance protects policyholders against unforeseen loss of value of an asset by guarantying a future value. RVG may be used to ensure asset value, to obtain better financing terms or in corporate accounting.
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Treaty Reinsurance
Our specialist reinsurance underwriting team offers worldwide capacity on a risk and catastrophe basis. We provide lead reinsurance terms and conditions and coverage on products including property, engineering, onshore energy, composite multi-class products and marine foreign XOL. Our underwriters regularly meet with clients to discuss current and future reinsurance requirements, travelling worldwide to enhance business connections and allow greater understanding of the cedant’s needs.
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Travel Bonds
If you are a package tour operator or travel agent, you may be required to provide security to protect customers who have made payments in advance of travel and may face repatriation costs if you become insolvent. A bond is a recognised form of security that will meet the regulatory requirements. If you are a travel agent, you may also be required to provide a bond if you wish to apply for accreditation to sell and issue international airline tickets.
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Regulatory Bonds
If your business operates in a regulated industry or activity, you may be required to provide a guarantee bond to procure and maintain your license to operate. This is especially likely in industries and sectors involving the handling of clients’ money. In some territories, it is necessary to post a bond if your company does not have any directors who are resident within the state (or the wider European Economic Area) in order to cover potential fines for breaches of the relevant company law.
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Title (Re)Insurance
Tokio Marine HCC has more than 15 years of experience in providing title (re)insurance products in the United States and United Kingdom In the United States, we underwrite both large commercial excess reinsurance and structured residential insurance. In the United Kingdom, we underwrite a variety of title and legal contingency coverages.
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Ship Building & Refund Bonds
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Retention Monies Bonds
Retention bonds are issued in favour of any owner who has agreed to waive a contractual right to deduct retention monies from the sums due to you under the relevant contract terms, in respect of the work you have completed. The bond represents the amount of retention money that would otherwise have been withheld. This is commonly between 3% and 5% of the contract price.
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Media & Technology
From television and film producers through to kidnap and ransom, event and weather insurance, we've got you covered.
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Aerospace
Love flying? So do we. You'll gain altitude and reduce turbulence with Tokio Marine HCC as your insurance partner. We offer property and liability coverage for personal and business aircraft operations of all types.
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Accident & Health
Offering disability and life policies for athletes, entertainers and key individuals, our accident and health policies protect against financial loss from unexpected events.
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Credit & Political Risk
Money and politics are two volatile exposures that can have a big impact on your bottom line. Count on our political and credit policies to shield your business from unpredictable circumstances.
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Liability & Casualty
We provide a wide range of liability and casualty coverage, ideal for exposures of all sizes.
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Marine, Energy & Aviation
Our specialized and experienced team of underwriters, at the center of the energy, marine and aviation insurance markets, provide efficient, first class service to clients and brokers worldwide. We are an acknowledged leader in this class of business and our team has more than 80 years of combined experience.
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Property
Tokio Marine HCC is dedicated to offering an extensive variety of commercial insurance solutions for a worldwide client base. Our underwriting philosophy ensures that each and every client is treated with the same exacting standards.
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Travel, Event & Contingency
From corporate events and special promotions, to corporate and personal travel, our travel and event policies safeguard your investment.
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Multi-buyer
Our multi-debtor policies protect your accounts receivable portfolio from the risk of default.
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Political Risk
Sometimes business opportunities require companies to work in a politically volatile location. These locations may come with the threat of asset seizure, business interruption due to revolution, or the inability to repatriate funds. Political Risk policies from Tokio Marine HCC gives companies increased comfort when working in those locations.
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Single-Buyer
Our single-debtor policies provide comprehensive non-payment coverage or coverage in excess of your primary insurance.
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Trade & Non Trade Credit
Extending trade credit to customers can place a company in a financial bind if defaulted. As a market leader in trade credit policies we provide a full range of short and medium-term coverages, including single debtor, multi-debtor and bank coverages, to protect against non-payment.
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Crime
Crime-related losses, particularly those arising from employee dishonesty, have grown in recent years. Global expansion, mergers and acquisitions of financial institutions and technological development inevitably facilitate employee infidelity, fraud, theft, forgery and computer-related crime.
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Directors & Officers
Directors and officers operate in increasingly risky environments. The development of strict and sophisticated corporate governance guidelines; large corporate fraud cases; and the willingness of shareholder groups to exercise their rights present fresh challenges for managers.
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Employment Practices
Protect your business from employment-related lawsuits. Our employment practices liability insurance provides broad policy coverage for employers against claims made by current, former or prospective employees alleging harassment, discrimination, wrongful termination and much more.
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Transaction Risk
Mergers, acquisitions and disposals are a necessary part of corporate dynamics. However, each one presents a completely new and unique set of risk issues for companies to consider. Our dedicated transaction risk team can take on complex risks and keep to crucial timings to close the deal successfully.
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Aviation Risks
Need coverage that is ideally suited for the aviation industry? Our specialty insurance products for general aviation and nonstandard aircraft risks include personal aircraft coverage and other property and casualty coverage for pilots, student pilots, aircraft owners, hangar owners and others in aviation.
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Energy
Need a comprehensive risk management solution? We offer integrated products covering the complex requirements of clients in the energy supply chain and bespoke risk solutions to the oil and gas industry, ranging from upstream exploration and production, to offshore construction, as well as midstream transmission and delivery.
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Commercial Property
Need robust coverage for your commercial property? Our policies ofter coverage for catastrophe perils, across a broad range of classes including manufacturing, municipalities, hospitality, retail and real estate with a focus on excess of loss attachment.
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Treaty Reinsurance
We provide lead reinsurance terms and conditions to a variety of clients around the world. Our policies offer coverage on a range of products including property, engineering, crop, onshore energy and composite multi-class products.
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Commercial
Tokio Marine HCC is a market leader in the provision of Commercial Surety Bonds. Our customers operate in all industry sectors and range in size from large public quoted companies to regional or local businesses.
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Contract
Every bond is as unique as the contractor that undertakes it. We provide service to companies of all sizes, from small sole proprietors to large publicly traded companies. In both traditional surety risks and specialty risks, we emphasize a fresh and intelligent solution-driven approach.
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Court and Fiduciary
Tokio Marine HCC is an industry leader in underwriting judicial and fiduciary bonds. Our court underwriters have the experience to evaluate the individual merits of each bond and to structure innovative terms. As a result, we are the surety company of choice for court bonds nationwide.
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Travel - Corporate
Business travelers face many risks; from the inconvenience of a delayed flight, to the life-threatening experience of a medical emergency or terrorist attack. Our corporate GroupSecure policies offer robust and flexible business travel risk management solutions to ensure your employees and your business will be protected no matter how big or how small the situation.
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Travel - Retail
For individual or group international travel adventures, we provide important benefits including emergency medical evacuation, repatriation of remains, and local burial or cremation. These benefits are complemented by travel and medical assistance services unique to the travel medical insurance industry.
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Travel Risk Management
When traveling for business, education or leisure, travelers are exposed to a variety of inherent risks, including culture shock, terrorism and natural disasters. Our travel risk management services help you effectively assess risks, educate travelers and manage emergencies as they happen.
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Gerard Colistra Senior Sales & Business Development ExecutiveDownload vCard, US518-424-4398gcolistra@tmhcc.com)
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Jeff Stanley Jeff Stanley, Vice President of Sports DisabilityDownload vCardWakefield, US781-994-6000jstanley@tmhcc.com)
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Brendon Bruner Sr. Vice President, High Limit DisabilityDownload vCardWakefield, US781-994-6000sportsdisability@tmhcc.com)
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Bert Van Wagenen Sr. Vice President, specialty UnderwritingDownload vCardMount Kisco, US914-241-8900bvanwagenen@tmhcc.com)
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Danielle Bouchard Specialty Claims Manager - Crisis Management/ContingencyDownload vCardMount Kisco, US914-242-7809dbouchard@tmhcc.com)
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Ed Velasquez Sr. Vice President, MPL/LPL, Errors & OmmissionsDownload vCardMt. Kisco, US914-242-7865evelasquez@tmhcc.com)
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Eric Mihailovich Sr. Vice President, Specialty UnderwritingDownload vCardSan Diego, US619-702-8162emihailovich@tmhcc.com)
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Frank Argondizzo Sr. Vice President, Technical Property RisksDownload vCardNew York, US212-326-9322fargondizzo@tmhcc.com)
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Mike Thompson Vice President, Contingency UnderwritingDownload vCardWakefield, US781-994-6120mcthompson@tmhcc.com)
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Kathy Bouras Vice President of Prestige UnderwritingDownload vCardWakefield, US781-994-6000entertainersins@tmhcc.com)
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Warranty & Maintenance Bonds
Maintenance bonds are a form of performance bond relating to the maintenance (or warranty) period and are sometimes required by the owner of a construction project. They provide security to the owner for any defective workmanship or faulty materials which may be discovered following handover of the project and during the ensuing maintenance period, which is usually for 12 or 24 months. A maintenance bond is often issued in a lesser amount than the contract performance bond which it replaces.
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Atlas MultiTrip
Whether you are a busy executive traveling for an important last-minute business meeting, a globe-trotting journalist covering the latest story, or an international sales professional closing big deals on every continent, Atlas multitrip is with you almost anywhere on the planet you may go.
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Contractors All Risks
Protection against the physical loss or damage to the works being undertaken
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Court Bonds
If you are involved in a legal action and the court issues a judgement against you, you may have to pay a substantial sum even though you have rights of appeal. If that happens and you intend to appeal, instead of immediately paying the amount specified in the judge’s award, you may be able to post a bond until the appeal process concludes. Court bonds may be posted in relation to the decisions of tax tribunals, competition courts or civil courts. The amount of the bond is fixed by the court.
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Court of Protection / Deputy Bonds
A Court of Protection / deputy bond is required by the Court of Protection before it will appoint an individual as a "deputy" to look after the estate and financial affairs of a person who lacks mental capacity. The bond provides financial security, up to the stated maximum, in respect of any potential wrongdoing on the part of the appointed deputy, which causes any loss to finances of the person for whom they act as deputy.
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Environment Bonds
Environmental bonds are often required to fulfill legal obligations and maintain relevant licenses. This often applies to waste treatment facilities, landfill sites and transshipments of waste. Bonds are also required to cover potential decommissioning costs in the energy industries, including oil & gas and renewables. Additionally, restoration bonds may be needed to secure the cost of returning land to its original state after completion of mining or quarrying activities
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Insurance Deductable Guarantee Bonds
Compulsory liability insurance products, such as employers’ liability, create an obligation on insurers to settle claims without deduction of any excess in the event of claim. Thus, if you have volunteered to carry a sizeable monetary excess in exchange for a reduction in your premium, your insurer may require you to provide an insurance deductable bond (or letter of credit) as security against the risk of your non-payment of that excess, in case of your insolvency.
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Admirality Bonds
If you are involved in shipping, you may be required to post an admiralty bond following any collision or incident involving salvage services. To procure the release of vessels or other property from arrest and/or to secure a third party’s maritime or other legal claim against the vessel (or other related property), an admiralty bond is required. Admiralty bonds are any bonds that are filed in legal proceedings concerning maritime law.
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Customs Bonds
The posting of a customs bond with the relevant authorities allows you to efficiently manage your business in circumstances where you are liable (or may potentially become liable) to pay import or export duties, excise duties or purchase taxes on your goods or goods that are under your control.
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Professional Indemnity/E&O
As a professional, you need protection against countless liability issues. Crafted to meet the needs of over 100 classes of professionals, our professional liability insurance products include professional liability, employment practices liability and miscellaneous professional liability for architects, engineers and contractors.
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Sports & Entertainment
Want a "Plan B" if the show can't go on? You'll find it here. We insure against influences out of your control - from weather and transmission failure to the death or disability of a key person.
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Fiduciary
Trustees and fiduciaries are far more accountable for their actions when managing employee benefit plans than ever before. In today’s environment, they are governed by statutes that regulate the administration of benefit plans, as well as the laws generally applicable to trustees. Consequently, non-compliance can lead to personal liability for breach of responsibilities – risking a loss to their personal assets as well as those of the corporations they represent.
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Jonathan Pflieger Undewriting Manager - Financial InstitutionsDownload vCardBarcelona, SP+34 93 530 7338jpflieger@tmhcc.com)
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Financial Lines & Professional Risks
Letting business take on opportunity with confidence, we offer directors and officers, cyber, transaction risk (M&A / W&I), fiduciary, professional indemnity/E&O, employment practices liability and much more.
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D&O Group
Trust Tokio Marine HCC - D&O Group for expertise and guidance in financial risk management. Absolute focus on a select portfolio of products has made us a market leader in our field.
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Aviation Group
HC Aviation writes a combination of international and U.S. commercial aviation business with a primary focus on large commercial business and internationally based risks. HC Aviation is a domestic market leader on many fixed wing cargo and rotor wing risks. The bulk of the HC Aviation account, however, is written internationally.
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MIS Group
Tokio Marine HCC - Medical Insurance Services (MIS) Group is a recognized leader in international Accident & Health insurance, offering coverage to customers in more than 130 countries.
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Credit Group
Tokio Marine HCC - Credit Group provides insurance to protect against financial losses arising out of credit and political risks, as well as physical damage caused by acts of political violence.
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On Call International
For more than two decades, On Call International has helped travelers, their families and their organizations not only manage travel emergencies when they arise—but also prepare for and even prevent them before they happen.
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Paul Silverman Vice President of Primary CasualtyDownload vCardWakefield, US(781) 994-6056psilverman@tmhcc.com)
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Private Equity
We are adept at taking on complex risks and keeping to crucial deal timings – discover our blended D&O/PI product for private equity and venture capitals or ask us about our transactional risk/M&A related coverages.