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Tokio Marine Highland is a leading property and casualty underwriting agency that offers a broad suite of trusted, industry-leading specialty risk management solutions.

As a wholly owned company of Tokio Marine Highland, Precise Adjustments provides industry-leading claim administration capabilities with experienced adjusters to ensure claims are handled promptly and fairly.

At Tokio Marine Highland, we pioneer creative insurance solutions and deliver the products and services that make it easier for you to manage and grow your business. With decades of experience and deep industry expertise, our underwriting teams tailor solutions to meet the needs of your customers.

Our coverages 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.

Tokio Marine Highland CEO Norman Heinrich describes what distinguishes TMH as an underwriting agency and shares his vision for the company moving forward.

Tokio Marine Highland embraces the Tokio Marine philosophy “To Be a Good Company.” We do right by our customers, our communities, and our colleagues. This is underpinned by our six core values, which provide a foundation for building strong and enduring partnerships with our clients and each other.

Tokio Marine Highland CEO Norman Heinrich shares what he admires about the culture that is prevalent throughout TMH.

Tokio Marine Highland’s summer interns organized a company-wide event to give back to our communities. Our offices in Chicago, Miami, Dallas, and South Pasadena volunteered to fill over 500 backpacks with back-to-school supplies, which were donated to local charitable organizations.

Tokio Marine Highland CEO Norman Heinrich speaks to what it means for TMH to be recognized as one of the Best Places to Work in Insurance for a third year in a row, through the annual award by Business Insurance and Best Companies Group.

Private Flood Underwriting Manager Lydia Martinez emphasizes the career opportunities available at Tokio Marine Highland.

Working at Tokio Marine Highland means being part of a team of dynamic professionals with a passion for service, innovation, and collaboration. You’ll put your expertise into action, work on game-changing initiatives, and be inspired by the best.

With more than 25 years at the forefront of private flood insurance, best-in-class service, and deep expertise in private flood program administration, you can be confident in presenting your customers with our specialized primary, excess, and admitted flood solutions.

Tokio Marine Highland offers a wide variety of comprehensive and custom flood risk solutions ranging from underwriting services to the development of tailored endorsements or stand-alone flood insurance policies.

Tokio Marine Highland’s Commercial Flood Insurance Program provides a comprehensive flood solution for commercial exposures at competitive rates. Coverage offered exceeds the industry standard and protects businesses against the peril of flood.

Our private flood solutions offer higher limits, broader coverages and more stable and competitive rates than what is available from the National Flood Insurance Program (NFIP).

Tokio Marine Highland’s Excess Flood Insurance Program is specifically designed for home or business owners who already have the maximum amount of coverage available under the National Flood Insurance Program (NFIP) or private flood carrier but need additional coverage to protect their higher-valued assets.

Tokio Marine Highland offers expertise in private flood program administration and is a longstanding coverholder in the London market.

Tokio Marine Highland’s Specialty Property Division provides comprehensive solutions that protect financial institutions and real estate investors against uninsured or underinsured losses.

Our Specialty Property offerings include lender-placed hazard, wind, and flood insurance coverages to protect real estate investments and foreclosed properties.

TMH offers insurance coverage for risks in the fine art & collectibles market. Our team of highly experienced underwriters, claims handlers, and art market experts offers a suite of tailored products and services.

Tokio Marine Highland, a leading provider of fine art insurance for personal and commercial risks, was a premier sponsor of the EXPO CHICAGO art fair, held April 13-16, 2023.