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 (TMHCC) is a specialty-focused carrier with multiple niche product lines written through dedicated underwriting teams and broker portals. PREFERRED / TARGET BUSINESS - Professional Risks / PI (UK & Canada): Broad appetite across hundreds of professions written largely via the Professional Indemnity e‑trading portals and regional underwriters. Core appetite includes accountants, architects, engineers, surveyors, business and management consultants, design & construct, environmental consultants, estate agents, film & TV, technology, media, recruitment consultants and a wide range of miscellaneous professional services. ([tmhcc.com](https://www.tmhcc.com/en/news-and-articles/thought-leadership/our-pi-risk-appetite-explained?utm_source=openai)) - Media, Marketing and Technology E&O (Canada example page): Target clients include advertising agencies, direct marketing companies, PR and sales promotion firms, media buyers, new media agencies, market research companies and marketing consultants, with worldwide cover available and appetite that extends to companies with US exposure. ([canada.hccint.com](https://canada.hccint.com/Products/MediaErrors?utm_source=openai)) - Marine Trades: Niche marine and related trades written through a dedicated Marine Trades portal, typically focused on bespoke covers for marine trade businesses; underwriters emphasize tailored solutions and e‑trading for quote, bind, renewals, and midterm changes. ([tmhcc.com](https://www.tmhcc.com/en/broker-portals?utm_source=openai)) - Public Risk Group: Public entity package and casualty for municipalities and related public risks, written under a defined underwriting profile and business appetite; TMHCC publishes a user/qualifier guide to help agents determine fit before submission. ([tmhcc.com](https://www.tmhcc.com/en-us/-/media/tmhcc/public-risk-group/prime-resources/prime_user_guide.pdf?utm_source=openai)) - Credit & Political Risk / Financial Institutions: Medium-term coverage for capital equipment sales and related credit exposures for financial institutions, with structured credit and political risk products managed by specialist underwriting staff. ([tmhcc.com](https://www.tmhcc.com/en-us/products/credit-and-political-risk/coverage-for-financial-institutions?utm_source=openai)) RESTRICTED / DECLINED CLASSES (PI EXAMPLES) - PI appetite article notes that, while appetite is broad, TMHCC traditionally has little or no appetite for certain higher‑risk advisory professions such as independent financial advisers (IFAs), solicitors, and insurance brokers, while remaining open to most other professional trades provided they are considered ‘good quality’ risks. ([tmhcc.com](https://www.tmhcc.com/en/news-and-articles/thought-leadership/our-pi-risk-appetite-explained?utm_source=openai)) - For other segments (public risk, marine, credit), detailed declined classes are not listed on public pages; agents are directed to product‑specific guidelines, portals or underwriters to clarify fit. GEOGRAPHIC NOTES - TMHCC operates globally; the broker portal site highlights: - UK‑centric Professional Indemnity and Marine Trades portals, supporting London and strong UK regional broker distribution. ([tmhcc.com](https://www.tmhcc.com/en/news-and-articles/thought-leadership/our-pi-risk-appetite-explained?utm_source=openai)) - A dedicated Canadian Professional Indemnity / E&O portal with wordings tailored to the Canadian market, backed 100% by Lloyd’s Syndicate 4141. ([tmhcc.com](https://www.tmhcc.com/en/broker-portals?utm_source=openai)) - Media E&O product example offers worldwide coverage as standard and is explicitly willing to include US exposure and, where required, US jurisdiction, subject to underwriting. ([canada.hccint.com](https://canada.hccint.com/Products/MediaErrors?utm_source=openai)) - Broader specialty and financial lines are written via TMHCC’s US and international underwriting teams and its Lloyd’s syndicates; local licensing and sanctions rules apply by territory. SUBMISSION & PORTAL / PROCESS EXPECTATIONS - Broker Portals (primary submission route for smaller to mid‑sized, standard risks in certain classes): - Marine Trades Portal and Professional Indemnity Portal allow brokers to quote & bind, renew and endorse online with full policy documents. These portals are aimed at streamlining simple to moderate risks while still backed by specialist underwriters. ([tmhcc.com](https://www.tmhcc.com/en/broker-portals?utm_source=openai)) - For professions not listed in the Online Professions Guide for the PI portal, brokers are instructed to send full submissions to the Professional Risks team via the dedicated email address or call the listed underwriting line for manual underwriting. ([tmhcc.com](https://www.tmhcc.com/en/broker-portals?utm_source=openai)) - A separate Canadian Professional Indemnity portal is used for Canadian E&O business with TMHCC‑authored wordings; access is requested via email to the Canadian PI underwriting team. ([tmhcc.com](https://www.tmhcc.com/en/broker-portals?utm_source=openai)) - Public Risk Group (PRG): - PRG publishes an agent user guide focused on helping producers "qualify submission" and determine if an account fits the TMHCC Public Risk Group underwriting profile before entering it; the guide stresses aligning with business appetite, completing required data, and using the system as a triage tool to avoid out‑of‑appetite submissions. ([tmhcc.com](https://www.tmhcc.com/en-us/-/media/tmhcc/public-risk-group/prime-resources/prime_user_guide.pdf?utm_source=openai)) - General submission norms (inferred from TMHCC materials): - Emphasis on quality of risk and complete submissions; for PI, TMHCC encourages brokers to discuss complex or unusual risks directly with underwriters rather than forcing them through the standard online paths. ([tmhcc.com](https://www.tmhcc.com/en/news-and-articles/thought-leadership/our-pi-risk-appetite-explained?utm_source=openai)) BROKER / PRODUCER NOTES - TMHCC positions itself as a specialist market that works with a wide network of appointed brokers, particularly regional brokers in the UK for PI, and stresses that brokers will have a dedicated underwriter contact managing the full lifecycle of the policy from quote through issuance. ([tmhcc.com](https://www.tmhcc.com/en/news-and-articles/thought-leadership/our-pi-risk-appetite-explained?utm_source=openai)) - The broker portals are framed as tools to support broker efficiency and self‑service (quote, bind, renew, MTAs) while still providing access to underwriters for non‑standard risks or out‑of‑guide professions. ([tmhcc.com](https://www.tmhcc.com/en/broker-portals?utm_source=openai)) - Public‑facing documents continuously reference adherence to defined risk appetite and underwriting guidelines; more granular appetite details by line, limits, and exclusions are generally distributed to appointed brokers or within portal documentation rather than posted as a single public appetite guide. OPERATIONAL TAKEAWAYS - Treat TMHCC as a specialist carrier best suited for: - Professional indemnity / E&O across a wide range of non‑financial, non‑legal professions. - Media/marketing and technology E&O, including worldwide and US‑exposed risks. - Niche marine trades, public entity risks (via PRG), and specialized credit/political risk solutions. - Use broker portals for in‑appetite, smaller and mid‑sized risks where available; escalate complex, unusual, or out‑of‑guide risks to underwriting via the listed email or phone contacts. - Avoid targeting IFAs, solicitors, and insurance brokers for PI with TMHCC unless specifically invited, and expect appetite checks for higher‑hazard or non‑standard professional classes. - Expect territory‑specific licensing and Lloyd’s structures (e.g., Syndicate 4141 for Canadian PI) and align submissions accordingly.