Tokio Marine HCC
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Tokio Marine HCC’s current U.S. broker-facing guidance is organized primarily through its Broker Portals and Underwriting Teams pages rather than a single consolidated appetite guide. Published portal guidance shows active digital submission / quote-and-bind access for small artisan contractor general liability via ArtisanEdge (Casualty Group), cyber business via the CPLG Broker Portal, sales-promotion bonds via Insta-Bond, inventory insurance via the International Marine Cargo broker portal, international medical insurance via WorldTrips, surety via the Surety Portal, and specialty event insurance via TotalEvent. Preferred business explicitly called out includes small artisan contractors for GL, cyber accounts that can be quoted with revenue/record-count driven intake, international medical risks for individuals, groups, missionaries, students, corporations and organizations in 130+ countries, public entity business through dedicated custom programs, and a broad specialty focus spanning sports, entertainment, travel and hospitality. Surety guidance identifies core target segments as contract performance and payment, commercial license/permit and miscellaneous, court judicial/probate/fiduciary, customs/transportation, large national commercial, and energy, with published nationwide capacity and dedicated field offices. Restricted or declined classes are not clearly published on the verified U.S. broker/underwriting pages reviewed; instead, TMHCC directs brokers to the applicable underwriting team or portal where fit and eligibility are screened during submission. Geographic notes: U.S. pages indicate product availability can vary by state; not all products, coverages or features are available in all states, and some business may be written through non-admitted carriers. WorldTrips specifically emphasizes international medical coverage for activities in over 130 countries. Submission / broker requirements: brokers should route submissions through the relevant portal where available; cyber portal functions include quoting, downloading pre-filled applications, and uploading subjectivities/self-binding for eligible NetGuard accounts; surety requires proper state appointment for any agency, brokerage firm or individual handling policy service or receiving commission, obtained through the Agency Service Center; WorldTrips states there are no sign-up fees or minimum production requirements for producers and directs them to Producer Information / Sales Support resources; ArtisanEdge access is requested by email or phone; TotalEvent requires broker registration; inventory insurance requires contact for demo/sign-up. Operationally, TMHCC appears to prefer digitally submitted specialty business matched to a named underwriting team or broker portal, with appointment/registration steps depending on product line.