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HCC Insurance Holdings Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Mar 18, 2020

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HCC Insurance Holdings is a global insurance company with its roots in aviation insurance. In 2015 the company was acquired by another global insurance group, Tokio Marine, to form Tokio Marine HCC. HCC no longer has their own website. They write specialty insurance products through a group of companies around the world.

About Tokio Marine HCC

HCC Insurance was founded as Houston Casualty Company in 1974 to provide insurance to the aviation industry. The company went public in 1992 and spent the next couple of decades acquiring other companies and growing into multiple different markets. In 2015, HCC Holdings was acquired by Tokio Marine, a huge multinational corporation based out of Japan.

Tokio Marine HCC writes a large number of different types of specialty insurance for both general and niche commercial markets, as well as some personal products. These include their original market, aviation, as well as agriculture, construction and real estate, financial institutions, government and public sector, and sports and entertainment. Beyond these main industry categories, are many subcategories and a long list of products.

Tokio Marine HCC has its U.S. headquarters in Houston, Texas. International offices are located in multiple locations around the globe.

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Products

As mentioned above, Tokio Marine HCC writes a long and complex list of mainly commercial insurance policies. We will provide a basic overview of these here, but we recommend speaking with a representative directly in regards to policy details.

Financial and Professional

This category of insurance products includes several sub-categories, mainly liability policies designed to meet specific needs. These include:

  • Errors & Omissions
  • Directors and Officers
  • Employment Practices
  • Cyber
  • Crime and Fiduciary
  • Transaction Risk

This category also includes mortgage, residual value, title insurance, and credit insurance.

Marine, Energy, and Aviation

There are a variety of specialty products available for these three industries. Tokio Marine HCC caters to the aviation industry as their original product with coverage for a variety of aircraft types.

They also have coverage for businesses in the energy supply industry, and for the marine industry. The cover ocean-going as well as some inland and coastal markets.

Credit and Political Risk

Within this category are several sub-categories of niche coverage. There are Single Debtor and Multi-Debtor coverages like Excess Loss of Credit, Top-Up Credit, and Single or Multi Transactional Credit.

Political Risk coverage includes Political Perils, Sovereign Non-Payment, Contract Frustration, and CEND.

The final category is Trade and Non-Trade Credit which includes coverage for Financial Institutions and other types of credit.

Accident and Health

Tokio Marine HCC offers a range of disability, accident, and medical coverage. These products include High Limit Disability such as Permanent, Temporary, Key Person, and Accidental Death and Dismemberment.

Medical Stop Loss coverage options are also available.

Property

The company’s list of property insurance coverage includes commercial property, crop insurance, treaty reinsurance, and difference in conditions coverage. Coverage is all risks and includes catastrophe perils as well.

Travel and Event

This category provides coverage for businesses as well as individuals and includes a long list of products under several categories.

Event products include Big Day Umbrella, Event Cancellation, Event Weather, Golf Tournament Cancellation, Special Event Liability, and more. Promotion coverage is also available including Prize Indemnity, Promotion Weather, and Over-Redemption.

Travel insurance coverage includes both corporate and retail categories. Retail is offered under the Atlas Travel Insurance product family, an HCC branded travel insurer.

Kidnap and Ransom coverage is also offered.

Liability and Casualty

Tokio Marine HHC offers several Artisan Liability products, several General Liability products, and Excess Liability as well. Rounding out this category is Crisis Management insurance which has two products – Product Contamination and Restaurant coverage for foodborne illness.

General Liability products include basics like product and premises liability, as well as more specific products such as New York Construction.

Surety

These products include several sub-categories with various products. These include Commercial bonds and surety, Contract Bonds, Court and Fiduciary Bonds, and Bail Bonds.

Commercial Package

Specific commercial package policies are available for a few niche areas. These are:

  • Michigan Townships
  • Public Entities
  • Amateur Sports
  • Sports and Recreation Facilities

Rates

Online quoting is not available for any of these products listed above, which is normal for this type of company. Due to the nature of these products an accurate quote can only be calculated by an agent with specific knowledge of the company in question and its needs.

Claims

The company website recommends checking the policy for specific instructions on filing claims.

Claims forms are available on the website for a select list of products: Public Risk, Specialty, Aviation, Stop-Loss, Surety Bonds.

Because there are a number of underlying subsidiary companies claims may be directed to specific departments for those companies. There are phone numbers in the contact section for these companies, and they can be used to inquire about claims directly.

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Ratings and Consumer Reviews

Tokio Marine HCC has an A+ rating with the Better Business Bureau (BBB). They are not accredited, and they have no complaints on file in the past three years. There is one review left that is one-star and refers to customer services issues with a travel policy.

Pissed Consumer has 5 reviews of Tokio Marine HCC, all of which are negative. All of them appear to pertain to travel insurance. That is not surprising given the fact that it is one of the company’s few personal insurance products, and we rarely see a lot of online reviews for commercial insurance products.

On that note, we should expand to say that this company has a very low complaint volume for its size, but that this is likely due to the fact that most of their products are specialty insurance products. Complaints about products of this sort are usually handled through other avenues, so we do not usually see online reviews and complaints.

The Bottom Line

Tokio Marine HCC is a huge company, especially in the wake of the merger. They offer a range of mainly niche and specialty commercial insurance products that are best considered with the assistance of an agent or broker. They certainly have good financial backing and a fairly strong reputation and are well worth considering.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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HCC Insurance Holdings
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

10 Comments

  1. I asked to be assisted in a hospital in NY and they allowed me on the phone. Now they refuse to pay because they say its related to a sexual illness… I went because I was hit by an object!!! nothing to do with sexual whatever… the thing is that my visit to NY costed me 5000 usd because of the hospital bill. No way to claim… long process that could cost even more!! Never take this insurer.

    Reply
  2. Why isn’t anyone doing anything about this company??!!! This is obviously fraudulent activity going on!! I Have had the worst expernece with them and not to my surprise a lot of other people have! I need answers!!! I Am beyond pissed! They are full of [Redacted]!!!!

    Reply
    • HCC Delied All Claims

      I have had similar issues as the postings on this site. After seven months of weekly phone conversations and endless communications with HCC, all claims for myself and my dependents have been denied with no hope of appeal (around 30k). It is like I did not have health insurance although I was paying a lot for it. I found the HCC representatives to be uninformed, rude, and in a few cases lied to me directly on the phone.

      HCC I believe is the worst company I have ever dealt with after 7 months all claims have been denied. [Redacted] has been helping me deal with HCC. Contact her if you are at a loss of what to do as well.

      Mark A.

      Reply
  3. This has got to be the WORST insurance company I have even had the displeasure of dealing with!!!!! Debbi said it best “HCC IS A CHARLATAN COMPANY. THEY STRIVE TO PAY NOTHING. WILL ASK FOR YOUR 5 YEARS OF RECORDS AND IF FINDING EVEN A HANG NAIL THAT COULD BE CONSTRUED AS HAVING NEGATED YOUR CLAIM THEY WILL DENY YOU TO THE GRAVE!!! HIGHLY UNPROFESSIONAL AND A SCAM! they deserve ZERO STARS! should be put down. HORRIFIC COMPANY, FRAUDULENT, if not CRIMINAL!!”! Not only will they ask for your records, they ask again and again and again etc! I think they should be investigated for fraud! If we had taken the money we paid to them we could have paid our claims ourselves and had money left over to go on vacation!!!!!!!!! I give them a negative 1,0000 stars!!!!!!!!

    Reply
    • so sorry jodee for your experience. because of our HCC experience we are still without health care and frankly the ONLY thing this nightmare of a RICO operation is that we are better OFF without as insurance companies, in general, are criminal and extort. we no longer are willing to pay thousands in premiums and 10’s of thousand’s in deductibles and other bullshit just to get a drop of coverage IF we are so GRACED by these predatory charlatans! [Redacted]. we’ll do our own thing. thanks.

      our nation has fallen greatly into an oligarch which paves the way for these very corporate [Redacted]. this is NOT a by-product of ACA, but an EXTENSION OF THE CORRUPTION THAT IS PERVASIVE IN THE PERVERTED CAPITALISTIC SOCIETY THAT WE HAVE CREATED. the only reason HCC has any starts is PURELY A FINANCIAL PIC! again. ALL WE VALUE. and it would assume if you got money… your special and above reproach. hence why NOTHING IS EVER DONE ABOUT IT AND PLACES LIKE BBB AND THIS SITE ARE NOT TRUTHFUL ABOUT THEIR RATINGS. SHAME ON ALL OF THEM!

      my deepest sympathies for anything you went through because i KNOW the PREDATOR that is HCC and how frustrating, OFFENDING and demeaning the experience is at a time of crisis no less!

      Reply
  4. HCC IS A CHARLATAN COMPANY. THEY STRIVE TO PAY NOTHING. WILL ASK FOR YOUR 5 YEARS OF RECORDS AND IF FINDING EVEN A HANG NAIL THAT COULD BE CONSTRUED AS HAVING NEGATED YOUR CLAIM THEY WILL DENY YOU TO THE GRAVE!!!! WE HAD $250K LEFT TO OUR ACCOUNT FOR AN BRAIN ANEURISM B/C OF A BACK ISSUE AS ‘PRE-EXISTING’! THEY ARE A SOUL BEAST WHO WILL NEVER PAY OUT IF THEY CAN FIND A WAY AROUND IT AND THEY’LL TAKE MONTHS AND MONTHS WITH CLAIMS LOOKING FOR THEIR ‘OUT’! THEY FARM OUT THEIR CUSTOMER SERVICE BY THE WAY…. SO THAT OPERATION IS PRETTY CLUELESS WHEN SPEAKING TO THEM. THEY HAVE THEIR SCRIPTS OF COURSE, BUT AFTER THAT… YOU ARE IN VERY DEEP WATER! AND YOU’RE NOT ALLOWED TO SPEAK TO A SUPERVISOR. ETC. [Redacted] CRIMINALS!!!!! OUR’S ENDED IN COURT! ANY COMPANY OR OTHERWISE TOUTING THIS PEICE OF [Redacted] OPERATION SHOULD BE [Redacted] OR NOT TRUSTED. IF ANYONE WITH THIS INSURANCE HAS HAD A POSITIVE EXPERIENCE WITH ANY CLAIM PLACED WITH HCC, I’D LIKE TO HEAR ABOUT IT. I WOULD GUESS THERE IS NO SUCH THING…. JUST A FAUX ‘PEICE OF MIND’ YOU MIGHT HAVE. BUT, THAT WOULD ONLY COME IF YOU NEVER ATTEMPTED TO ACTUALLY USE IT! THAT’S WHEN IT FALLS APART… WHEN YOU ATTEMPT TO USE IT. DO NOT WASTE YOUR TIME OR MONEY OR SANITY! THESE ARE PURE SHARKS CIRCLING THE WATER.

    Reply
  5. Danger, Red Alert, Do not even consider buying any kind of service from these scammers. Before even considering buying this service I called their customer service number to make sure I would quilify for coverage. They ask on their questionnaire about certain things that would be considered pre-existing conditions. I went to hospital a few weeks before signing up for insurance for chest pain, turned out that it was just acid reflex (heartburn) I told the women from customer service that and she said that would be no problem with getting coverage since I was not diagnosed with any kind of contrition needing further treatment or prescribed any kind of medicine from the pharmacy. So I sign up for the coverage thinking that I would have some sort of piece of mind until I could get on my employers plan. Boy I was ever wrong, a few weeks after having the coverage I all of a sudden began having chest pains again, thinking I was have some sort of heart issue I went to the ER, fortunately it was just some stomach issues like before (acid reflex). The hospital filed with insurance for payment, and low and behold they denied the claim saying that chest pain is a pre-existing condition. Makes no sense to me and my doctor says the same how in the heck can heart burn be a pre-existing condition? Now have been filing dispute claims with them to no avail. Should of looked into finding out more about this scamming company from the BBB and this site before doing business with them. No out of the premiums that I paid and probably stuck having to pay all the hospital bills as well.

    Reply
    • mike I checked with the BBB and they got an A+ rating!!!!! AN A+???!!!! What did they do, buy that rating!? Seriously! How could they get that rating? They really need to check out these comments! I tried to leave on on the BBB website to no avail, guess they don’t want to ruin that A+ rating! LTMT (laughing through my tears)!

      Reply
  6. oh, by the way… check BBB again…. i saw at least 34 complaints!!! not just one, and perhaps with the federal trade commission. there are also other independent complaint sites who have additional complaints… while the number may SEEM small… like ants, there are MANY MORE YOU DON’T SEE, i’m certain as many won’t motivate to write it up. i’m preparing my brief for the washington state insurance commissioner to BEGIN my stand with HCC after HOURS adding up to weeks of ME DOING ALL THE WORK; just for them to claim “they’re waiting”! just so you know… as far as medical, they are the worst!!! you will do harm to imply otherwise; trusting others take the rating and buy that which will NOT REMOTELY SERVE THEM SHOULD THEY NEED IT. my claims are approximately $250K, MONTHS OLD “IN REVIEW”; STALLED while they busy themselves with obfuscation so as to end in denial! i will not stand down from them. please consider this info in your rating!!! i concern deeply for others. ALL MUST AVOID THIS PRODUCT! MOST disgusting is IF THEY ARE FINANCIALLY STABLE, they have done it on the back of INNOCENT CLIENTS! much thanks.

    Reply
  7. if your goal is to stir people to a professional and solid product, KNOW THAT HCC is NOT THAT! they “do not say much about claims process” because they haven’t any. they obstruct. lie. cheat. completely incompetent and disinterested in satisfying ANY CLAIM except to DENY IT! THEY ARE SCUM. temp personnel manning customer service (which is an oxymoronic name). pretty much every claim stalls for MONTHS in an 11 month policy, which is what they sell for their “major medical”; a complete BAD JOKE, as an operation. NO MATTER what’s on paper and how good it MIGHT look, they are unscrupulous, unethical, dishonest, charlatans, bad policy and essentially rape their clients who purchased IN GOOD FAITH! HIGHLY UNPROFESSIONAL AND A SCAM! they deserve ZERO STARS! should be put down. HORRIFIC COMPANY, FRAUDULENT, if not CRIMINAL!

    Reply

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