CHICAGO – February 11, 2026 – Tokio Marine Highland, a leading property and casualty insurance underwriting company, today released its annual thought leadership highlighting key underwriting signals for Private Flood, Specialty Property and Fine Art insurance.
The 2026 TMH Horizons report analyzes insurance trends and provides industry insights to help brokers and agents navigate underwriting shifts and close protection gaps for clients.
“Brokers and agents are on the front lines of helping clients navigate a risk landscape that is changing faster than ever,” said Steve Prymas, Chief Executive Officer of Tokio Marine Highland. “This report is designed to give them clarity on what underwriters are focused on heading into 2026 and to support more informed, proactive conversations with clients about protecting their assets.”
Across all lines, TMH Horizons highlights a persistent divide between perceived risks and actual exposures fueled by underinsurance, misconceptions about coverage, and reliance on outdated risk models. The report emphasizes the growing importance of modern data analytics, proactive risk mitigation, and strong carrier partnerships to help clients secure adequate protection before market conditions harden.
To download a PDF of the report, click here.
About Tokio Marine Highland
Tokio Marine Highland is a leading property and casualty underwriting company 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