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Tokio Marine Group

to be a good company

We will be there for our customers, playing our part in society in times of need. We will balance our strength as an organization with compassion as individuals, looking beyond profit to deliver fully on our commitments. Through our collective efforts, we will strive to be a Good Company, living up to the trust placed in us.

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Who are our group companies?

The security of nearby expertise, enhanced by the diversity and power of one of the world's most respected insurance groups. This is the value brought to bear by the U.S. members of the Tokio Marine Group. Our companies offer access to leading commercial insurance solutions spanning the property and casualty landscape, professional liability, workers' compensation and employee benefits programs.

Whether standalone coverage or comprehensive solution, you will find service and value at the core of Tokio Marine. Learn more about our member companies by clicking the buttons below.

Philadelphia Insurance Companies (PHLY)

Property / Casualty & Professional Liability for over 100 Niches

Philadelphia Insurance Companies (PHLY) headquartered in Bala Cynwyd, PA, designs, markets, and underwrites commercial property/casualty and professional liability insurance products, incorporating value-added coverages and services for select industries. By maintaining a disciplined approach to business, we provide greater security for our policyholders and superior value for our shareholder.

  • PHLY operates 50 offices strategically located across the United States to provide superior service
  • Rated "A++" (Superior) by the A.M. Best Company
  • Rated "A+" by Standard & Poor's

Brian Kilroy

First Insurance Company of Hawaii (FICOH)

Property / Casualty (Hawaii)

First Insurance Company of Hawaii (FICOH) provides a wide range of personal and commercial insurance products, offered via a network of independent agencies throughout Hawaii. We continually develop new products and services to answer the changing needs of our agents and policyholders. Our brokerage operation, First Risk Management Services (FiRMS), is set up to place non-standard risks. Through our comprehensive offerings across FICOH and FiRMS, we are uniquely positioned to meet the risk management needs of Hawaii residents and businesses.

FICOH is rated "A+" by A.M. Best Company and "A" by Standard & Poor's. Founded in 1911, FICOH is the oldest and largest property and casualty insurance company headquartered in Hawaii.

Darren Okihara

Reliance Matrix

Employee Benefits and Absence

Reliance Matrix is a leading provider of financial protection, absence management and supplemental health benefits solutions, driven by technology and an integrated customer experience. We distribute these solutions through independent brokers and agents to employer groups of all sizes.

Reliance Matrix strives to save employers time and create efficiencies when planning and delivering on their overall employee benefits strategy, all while delivering a seamless, intuitive and fully integrated experience for employees and covered family members. At the forefront of a dynamic market, we are leaders in digitally-enabled integration across our product portfolio and administering new and changing state and federal leave and paid leave programs.

Masashi Ohta

Retirement Services

Reliance Standard Life also offers a portfolio of traditional fixed and indexed annuities to individuals seeking to preserve capital and retirement income with guaranteed returns. We earn clients' trust by maintaining a strong balance sheet, a sound, diversified investment strategy and the partnership of a nationwide network of institutions and advisors skilled in helping individuals achieve their retirement savings goals. Rated A++ (Superior) by A.M. Best and A+ (Strong) by Standard & Poor's, Reliance Standard was founded in 1907.

Reliance Standard Life Insurance Company provides insurance products and services in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, home office: New York, N.Y. Product availability and features may vary by state.

David Whitehead

Tokio Marine America

Property and Casualty Solutions From Small to Large Sized Global Businesses

With over a 100 year history in the U.S., Tokio Marine America (TMA) offers tailored products to a diverse range of customers --- from small to large-sized global businesses seeking traditional multi-line coverage, to larger private and public companies requiring full risk management solutions.

Our commitment to providing the highest level of service is paramount. More than 93% of our customers recommend TMA based on our superior claims service. TMA enjoys an A++ (Superior) rating from A.M. Best. With a solid foundation of financial stability, our strength lies in understanding your business and working in partnership to exceed your expectations.
Our range of products includes:

  • Property (including HPR, Excess Layered and Inland Marine)
  • Package
  • General Liability
  • Auto Liability and Physical Damage
  • Excess/Umbrella Liability
  • Worker’s Compensation
  • Ocean Marine Cargo

By offering fully integrated solutions to meet our customer’s needs, we endeavor to deliver ANSHIN - safety, security, and peace of mind to all of our customers.

Steven Goldstein

Safety National

Workers' Compensation Specialist

Safety National® exists as a U.S. market leader in excess workers' compensation for self-insured employers and groups, and a leading multi-line provider of risk solutions for large commercial and public entity clients. The company's reinsurance division, Safety National Re, offers lead market terms for a full range of workers' compensation and professional liability programs.

The company has built a loyal client base by practicing a relationship-focused approach to customer service – listening closely to customer needs and designing flexible programs to address them, providing complimentary risk management resources to help improve safety and compliance programs, and offering specialized claims management proficiency to help produce the greatest possible outcomes. Safety National is rated A++ (Superior), FSC XV by A.M. Best.

Offerings include:

  • Workers’ Compensation:
    • Excess
    • Large Deductible
    • Large Guaranteed Cost
    • TEXcess®
  • Commercial Auto
  • Commercial General Liability
  • Public Entity Liability:
    • Law Enforcement Liability
    • Public Officials Liability
    • Educators Legal Liability
  • Cyber Risk
  • Reinsurance
  • Loss Portfolio Transfers
  • Captive Services
  • Self-Insurance Bonds

Rob Leitner

Tokio Marine HCC

We know specialty insurance

Insurance plays such an important role in society. It enables the world to innovate and advance with confidence. Tokio Marine HCC has been protecting businesses, from FORTUNE 500* companies to small and medium enterprises (SMEs), with our specialty insurance for over 45 years. Our difference is our people, who bring deep expertise and a commitment to doing the right thing for our customers and the communities in which we live and work.

We enjoy a diversified portfolio of specialty offerings and, through our global footprint, we can deliver insurance solutions to many corners of the world. We offer over 100 classes of specialty insurance and insure everything from professional athletes to directors & officers to cyber ransomware. We are also the leading writer of renewable energy insurance.

Tokio Marine HCC has been a part of the Tokio Marine Group since 2015, and our customers benefit from the added financial strength and capabilities that we can bring to the table as part of one of the largest property & casualty (P&C) insurance organizations in the world.

Tokio Marine HCC's major lines of business include the following:

  • Agriculture
  • Aviation
  • Construction Liability and Property
  • Contingency Products including Events, Promotions and Crisis Management
  • Cyber & Tech
  • Directors’ & Officers’ Liability and Professional Lines
  • Disability for Athletes, Entertainers and Business Executives
  • International Property, Liability and Financial Lines
  • Global Travel
  • Marine
  • Medical Stop-Loss
  • Renewable Energy
  • Surety & Credit

Tokio Marine HCC is a member of the Tokio Marine Group, a premier global company founded in 1879 with a market capitalization of $37 billion as of September 30, 2021. Headquartered in Houston, Texas, Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Continental Europe. Tokio Marine HCC’s major domestic insurance companies have financial strength ratings of ‘A+’ (Strong) from S&P Global Ratings, ‘A++’ (Superior) from A.M. Best, and ‘AA-‘ (Very Strong) from Fitch Ratings; its major international insurance companies have financial strength ratings of ‘A+’ (Strong) from S&P Global Ratings. Tokio Marine HCC is the marketing name used to describe the affiliated companies under the common ownership of HCC Insurance Holdings, Inc., a Delaware-incorporated insurance holding company. Coverages described may not be available in all states and are subject to underwriting. Certain coverages may be provided by a surplus lines insurer; surplus lines insurer does not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

*FORTUNE 500 is a registered trademark of Fortune Media IP Limited, and the use of the trademark is for informative purposes only.


Absence Management Services

We're PURE, a property and casualty insurance company designed exclusively for successful, responsible families. We opened for business more than 15 years ago with the goal of offering something different in the insurance space: a company focused on doing what's right for our membership (policyholders), one that promotes transparency and alignment of interests, and delivers greater value.

Today, after growing at least 15% in each year since we began, we are the most awarded insurer in our category, offer coverage in all 50 states that includes high value homeowners, automobile, collections, watercraft, personal excess liability, fraud & cyber and flood to a membership of more than 100,000 incredible individuals and families.

What Makes PURE Different


PURE's model allows for the financials gains of the insurer to be allocated back to the membership through Subscriber Savings Accounts. To date, more than $100,000,000 has been allocated to these accounts. Further, the model rewards loyalty with a reduction in the cost of insurance after five years of membership and the opportunity for cash distributions after 10 years of membership. Learn more about the strength of PURE's model.


PURE offers a series of digital tools that provide advanced insights to help with large purchases. PURE Home Spotlight™ helps members considering buying a new home to make smarter decisions by receiving real-time data about the risks and insurability of homes across the country. PURE Art Spotlight instantly shares information about a contemporary artist's career, the value of their art and other factors that enable greater confidence in art buying.


PURE's selective approach to underwriting and low cost of capital result in members consistently reporting savings when joining PURE. PURE's pricing is notably competitive for high limits of Personal Excess Liability and coverage for scheduled jewelry and other collectables.


PURE membership often begins with a comprehensive home risk assessment and includes an “always on” digital report that documents the home's unique features, assesses coverage adequacy and identifies opportunities to prevent and mitigate potential losses. In wildfire prone states, members have access to PURE's Wildfire Mitigation Services intended to reduce—or even prevent—a loss from wildfire.

To learn more, visit