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
Verified current US-facing submission guidance is centered on the TMHCC broker portals page. Published broker-access programs include: Artisan Program for small artisan contractor general liability; CPLG Broker Portal for Cyber Liability, Technology E&O, and certain professional lines; Surety Bonds portal; WorldTrips medical insurance producer access; TotalEvent for specialty event insurance; Insta-Bond for promotion agencies and attorneys; and an Inventory Insurance broker portal for marine cargo stock risks. Preferred/target business explicitly shown includes small artisan contractors for GL; cyber and technology E&O risks that can be quoted digitally; international medical risks for individuals, groups, missionaries, students, corporations, and organizations in more than 130 countries; and specialty event/promotion business handled through dedicated portals. Cyber appetite documents currently published by TMHCC indicate broad digital appetite for accounts up to $100M revenue, up to 1,000,000 records, and limits generally from $250K/$500K up to $3M, with quote/bind support through API or broker portal. Cyber referral classes specifically listed are cannabis, payment services, and higher education. Cyber excluded classes specifically listed are adult entertainment, blog sites, cryptocurrency, dating platforms, e-discovery, and employee screening/background-type exposures. Submission requirements and broker instructions are notably portal-driven: CPLG states brokers can quote in minutes using revenue, record count, and a few underwriting questions, download a pre-filled application, and upload subjectivities to self-bind certain NetGuard accounts; new and renewal quoting, binding, and referrals are supported through the CPLG portal. Surety guidance requires any agency, brokerage firm, or individual handling policy service, selling, or receiving commission to secure the proper state appointment(s) through the Agency Service Center before doing business. WorldTrips states there are no sign-up fees or minimum production requirements for producers, and directs producers to contracting/producer information resources. Artisan Program access is by portal request via email/phone and is positioned as fast online quoting for small artisan contractor GL. Inventory Insurance access is by broker portal demonstration/sign-up request. Overall, TMHCC’s current published US guidance emphasizes specialty distribution through line-specific broker/producer portals rather than a single consolidated appetite guide; geography is US-facing for broker access, while certain products note broader international reach (for example WorldTrips over 130 countries). No single official consolidated decline list across all product groups was located, so restrictions above are limited to the specifically published cyber appetite and line-specific producer rules.