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Tokio Marine Group Review

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UPDATED: Nov 30, 2018

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Tokio Marine Group
Financial Strength

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Tokio Marine Group ( is a large holding company headquartered in Japan and employing 29,000 people to staff offices in 38 countries. The company began in 1879, making it the oldest insurer in Japan.

Today, Tokio Marine is the largest provider of property and casualty insurance in Japan. Its international products include Trans Pacific Insurance, and Tokio Marine America Insurance Company.

The list of companies under the Tokio Marine Group located in the US include: Reliance Standard, Philadelphia Insurance Companies, Safety National, and First Insurance Company of Hawaii.

Insurance Products

Tokio Marine sells a number of corporate insurance products, each tailored to the specific needs of the business it’s marketed to. Coverage is available for private and public companies alike.

In general, basic commercial insurance is available for property, commercial auto, ocean marine and general liability. Worker’s compensation and risk management products are also available.

Aside from customizable insurance offered to businesses in a variety of industries, Tokio Marine specializes in ocean marine cargo insurance. This protection covers goods as they’re shipped between warehouses, whether that happens by ocean, air, or inland transit. This coverage includes legal liability for cargo carriers as well as protection during warehouse storage.

Tokio Marine Group Rates

As primarily a parent company, Tokio Marine Group does not sell insurance products directly or offer online quotes. Anyone interested in a product one of Tokio Marine’s subsidiaries sells should contact a licensed agent or agency.


Tokio Marine subsidiaries offers 24/7 claims service online or through its claims hotline, 877-567-7486. Claims can also be emailed to the company when handling reimbursable expenses.

The exact claims process will depend on the nature of the claim and the type of business submitting it. Often, commercial claims are handled through reimbursement or subrogation. In other cases, an adjuster will need to inspect the damage prior to the claim being accepted. It’s best to call the company or review the claims forms listed on the website before proceeding with repairs when possible to ensure that the appropriate method is followed.

Consumer Research and Complaints

Tokio Marine is not accredited with the Better Business Bureau, and it does not appear to have an official headquarter page, likely because it is based overseas. The page that is listed for the company shows no complaints.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A++ Stable
Fitch A+ Stable
S&P A+ Stable

Bottom Line

Tokio Marine Group is a large insurance conglomerate that operates a number of subsidiaries covering a wide array of products. While you cannot buy insurance from them directly, you can read more about the company and find a list of subsidiaries on their website.

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

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Review Information

Review Date
Tokio Marine Group
Author Rating

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.


  1. Have been between Tokio Marine and Hospital and they never communicated with each other and never paid basic claims that are described as covered under their policies, they keep closing/opening claims with no solution..

    Worst experience and waste of money never use them.

  2. Never use Tokio Marine Insurance. The worst customer service that I’ve experienced.

  3. I requested a car insurance quote to [Redacted] , and
    [Redacted] but the reply was not professional, disappointed by the attitude of [Redacted] .

    • Worst in the world.

      • I agreed.


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