Ray Oral Appointed COO of Tokio Marine Highland: Read More

Tokio Marine Highland

TMH Marketing

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 roles at CNA Insurance, ABN AMRO/LaSalle Bank, and Hiscox USA. As Chief Information Officer at CNA for nearly a decade, he developed a reputation for driving business transformation, digital innovation, and operational excellence. At Hiscox, he guided the company’s U.S. technology team as Chief Technology Officer.

“Ray’s proven expertise and strategic vision will be instrumental in advancing Tokio Marine Highland’s technology and business goals,” said Steve Prymas, CEO of Tokio Marine Highland. “I’m confident that Ray’s leadership style, which pairs deep technical acumen with clear business pragmatism, will positively contribute to our company culture and empower our teams to deliver results.”

About Tokio Marine Highland

Tokio Marine Highland is a leading property and casualty underwriting agency that offers distinct specialty risk management solutions, including private flood, fine art, specialty property, real estate investment, and lender-placed insurance. Tokio Marine Highland also includes Precise Adjustments, a wholly owned subsidiary that provides industry-leading claims capabilities.

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 market, TMK benefits from Lloyd’s financial strength, including an A+ rating from AM Best. Tokio Marine Highland has office locations in Chicago, IL, Frisco, TX, Irvine, CA, Miami, FL, and South Pasadena, CA.

For more information, visit our website at www.tokiomarinehighland.com.

Media Contact:

Angela Childers
Sr. Director, Marketing & Communications
Tokio Marine Highland
angela.childers@tmhighland.com

Reliable Flood Coverage for Businesses

The National Flood Insurance Program may still be on pause, but the Philadelphia Insurance Companies’ (PHLY) Commercial Primary Flood Program is available to help your clients protect their businesses from flood risks during the government shutdown.

PHLY’s Commercial Primary Flood Program provides coverage for buildings with $15M in replacement costs or less, and offers key benefits such as:

• Business Income Coverage
• Replacement Cost Coverage for Building & Contents
• Ability to Schedule Locations
• Multiple Deductible Options

Maximum Limits

• Building: $5M
• Contents: $1M
• Business Income: $100,000
• Total Combined: $5M*

*Please note that the total combined limit of $5M is per building

Give your business clients peace of mind. Explore PHLY’s program and contact PHLYFlood@tmhighland.com for a quote.

Beyond the Flood: Rising Realities and Tides of Change in Texas & Florida

As floodwaters rise, so do the stakes. Beyond the Flood was a virtual panel held on August 14th, 2025 that brought together voices from Texas and Florida for a dialogue on the evolving landscape of flood risk, recovery, and resilience.

Featuring Director of Client Relations Lydia Martinez from TMH Private Flood, this panel explored the shared challenges both states face – from atmospheric and environmental shifts to policy reform and preparedness. The forum delved into the technical, political, and human dimensions of flood risk in a changing nation. Together, we look beyond the flood, toward a future shaped by informed advisors, cross-state collaboration, and lasting resilience.

Watch it here.

Panelists:

Lydia Martinez, Tokio Marine Highland Private Flood

Katherine Howington, Aon Edge

Tyler Ardron, Floodproofing.com

To learn more about Tokio Marine Highland’s comprehensive flood offerings or to have us quote your potential target risks, contact us at PrivateFloodSolution@tmhighland.com.

Before the Storm: 3 Things to Know for the Claims Process

This year’s hurricane season, which runs from June 1st through November 30th, is here. Although no major hurricanes have occurred yet this year, the 2025 season is still expected to have 13 to 19 named storms, and six to 10 of those will become hurricanes – according to the National Oceanic and Atmospheric Administration (NOAA).

Regardless of the forecast, it is still still vitally important to remain vigilant and prepared. Should a storm result in major damage, your clients need to know their options and have a plan in place ahead of time. Here are three things that customers should reflect on and be aware of in advance of any storm.

  1. Are my coverage limits adequate?

The first aspect to be aware of seems simple, but many times it can be unknown to clients: how much coverage do they actually have? Many times, people are unaware whether their current coverage is sufficient for what they lost. When they think they have more than they actually do, it results in a mismatch between expectations and what is delivered. Prevent this by helping your clients know what’s provided in their current policies!

  1. What exactly did I obtain coverage for?

The second tip for clients to reflect on is similar: what exactly did I buy coverage for? How does their policy work – do they have coverage for just the building structure, or do they have coverage or their personal property? It is highly important for them to understand these details in advance – we recommend customers do an annual checkup with their retail agency partners about their limits and how their policy works. Make sure the policy matches the actual needs for the property they have insured.

  1. Do I have a plan for my property?

Think deeply about what your clients will need to do after a storm – before the storm hits. Identify the insured property, and make sure they have a comprehensive list ready. Their potential claim will be processed much faster if they are able to provide detail on the items that are damaged. After a storm, there will never be enough resources to do all the work immediately. You want to ensure that your clients can be the best informed and best connected to those resources that they can possibly be – before the storm!

Help your clients review these three questions. If they have sufficient coverage for what they need, are ready to help in the claims process, and have a way to actually get the property fixes, their after-event experience will be tremendously better than others – and they will always have you to thank.

To learn more about Tokio Marine Highland’s comprehensive flood offerings or to have us quote your potential target risks, contact us at PrivateFloodSolution@tmhighland.com.

Law360: Fine Art & Collectibles Division President Christiane Fischer Talks Art Insurance

Tokio Marine Highland’s Fine Art & Collectibles Division President Christiane Fischer was recently interviewed by Law360 Insurance Authority about how procuring fine art insurance is changing in the face of increasing disasters and severe weather events.

Click here to read about where the future of art insurance is potentially headed while collectors, dealers, and insurers prepare for a more uncertain future.