Innovative Solutions
for Complex Risks
With decades of experience and deep industry expertise, we deliver creative solutions that make it easier for you to manage and grow your business. Learn about our private flood, fine art, specialty property, real estate investment and lender-placed insurance coverages.
Products and Services
We help you manage your risks with insurance solutions, not pre-packaged offerings. Our broad portfolio of market-leading products and services are born out of collaboration, imagination and innovation to meet your client’s most complex needs.
Solutions with higher limits, broader coverages and more stable and competitive rates than the NFIP.
Broad insurance coverage for physical loss and damage risks in the fine art and collectibles market.
Solutions to help financial institutions protect their portfolios against uninsured or underinsured losses.
Tailored property solutions designed to serve the unique needs of homeowners and property investors.
Who We Are
We pioneer creative insurance solutions backed by our deep underwriting and product expertise, superior claim management and the highest caliber of customer service. Our core values provide a foundation for building strong and enduring partnerships with our clients and each other.
UNDERWRITING EXPERTISE
Our solutions are crafted by underwriting teams with deep expertise and decades of experience. It’s why agents and brokers nationwide are confident in presenting their customers with our specialized products and innovative solutions.
CREATIVE AND INNOVATIVE PRODUCTS
We help you manage your risks with insurance solutions, not pre-packaged processes. Our broad portfolio of market-leading specialty risk management solutions require collaboration, imagination and innovation to meet your client’s most complex needs.
SUPERIOR CLAIM MANAGEMENT
We manage your claims, every step of the way, through our wholly owned subsidiary, Precise Adjustments. We provide industry-leading claim administration and adjustment capabilities with dedicated and experienced adjusters to ensure claims are handled promptly and fairly.
BEST-IN-CLASS CUSTOMER SERVICE
At Tokio Marine Highland, it’s all about our clients. We deliver the products and services that make it easier for you to manage and grow your business. That’s why we offer a personalized customer experience to serve your clients and fulfill your commitments as if they were our own.
FINANCIAL STRENGTH
Founded in 1962, Tokio Marine Highland is a wholly owned subsidiary of Tokio Marine Kiln (TMK), a leading international insurer and member of Tokio Marine Group. As one of the largest carriers in the Lloyd’s insurance marketplace, TMK’s syndicates benefit from Lloyd’s financial strength, including an A+ rating from AM Best.
Recent Articles
NFIP Lapses Again: Why Now Is the Time to Turn to Private Flood Insurance
A partial U.S. government shutdown began at midnight on January 30, once again causing the National Flood Insurance Program (NFIP) to lapse. While lawmakers are expected to reach a short-term agreement more quickly than during past shutdowns, the pause in NFIP operations creates immediate challenges for insurance agents, brokers, and their policyholders. As history has […]
With Another Government Shutdown Looming, Consider Private Flood
The odds of another government shutdown at the end of the month may be decreasing, but flood insurance agents and brokers should have alternatives ready to go if Congress is unable to come to an agreement and the National Flood Insurance Program (NFIP) lapses again. On November 12, 2025, the last — and longest government […]
Ray Oral Appointed COO of Tokio Marine Highland
Ray Oral Appointed COO of Tokio Marine Highland CHICAGO, January 7, 2026 – Tokio Marine Highland, a leading property and casualty insurance underwriting agency, today announced the appointment of veteran insurance leader Ray Oral to Chief Operations Officer, effective immediately. Oral has more than 40 years of experience in insurance, banking and technology, holding senior leadership […]