Tokio Marine Insurance

The United States Branch of TMNF (TMNF US Branch) has been conducting business in the U.S. market for a century, and is licensed to write all lines in 50 states, Puerto Rico and the District of Columbia. With the highest financial strength rating from A.M. Best, TMNF US Branch is committed to delivering security through a financially sound organization. We provide unique insurance and risk management tools from our experienced staff of account executives, underwriters and loss prevention engineers and fair and timely claim settlement from a skilled team of claim professionals.

We work with major brokers and leading independent insurance agents throughout the United States to serve some of the world's largest and most distinguished organizations. Our clients come from many industries including:

  • Electronics, communications and technology
  • Auto and auto parts manufacturing
  • Pharmaceutical and life sciences
  • Chemical manufacturing
  • Food and beverage
  • Real estate / office parks
  • Other industrial / manufacturing
TMNF is Japan's oldest, and one of the largest property and casualty insurers. Founded in 1879, TMNF operates worldwide in 38 countries. With annual revenues of approximately $18 billion in 2009 and A.M. Best rating of A++, one of the highest in the industry, TMNF is one of the top twenty insurance providers worldwide.
Our strength lies in understanding the individual risks facing our clients’ business operations. Our three divisions, based within TMK 1880, TMEI and TMNFI, mix worldwide solutions with local expertise to deliver tailored products and risk management programmes. Everything we do is driven by our desire to exceed our clients’ expectations and build a partnership based on trust.Kiln (TMK 1880)In 2008, Kiln joined the Tokio Marine Group after a successful 50-year business relationship. Kiln currently manages four syndicates in the Lloyd’s market; Tokio Marine Kiln Syndicate 1880 is unique in that it is financed by Tokio Marine and managed by Kiln. All risks written into TMK 1880 via Tokio Marine Global will benefit from:Standard & Poor’s A+ financial rating as awarded to all Lloyd’s syndicates The security of Lloyd’s unique capital structure, often referred to as the ‘chain of security’ as explained in the Cover to Cover publication Outstanding customer service Tokio Marine Europe Insurance Tokio Marine Europe Insurance Limited was established as the controlling company for the European operations for Tokio Marine & Nichido Fire Insurance Co., Limited, and underwrites commercial property, casualty and marine insurance.Client confidence is gained through our expertise, AA- rated financial strength and security reinforced by the support and strong position of our parent company.The TMG division trading from TMEI offers clients based in Europe, the Middle East and Africa an expert service backed by global strength through its extensive network of branches.Tokio Marine & Nichido Fire Insurance Company Since the establishment of Tokio Marine Insurance on August 1, 1879, we have accumulated over a century of experience in the insurance industry. Tokio Marine & Nichido was formed as a result of a merger between The Tokio Marine & Fire Insurance Co., Ltd. and The Nichido Fire and Marine Insurance Co., Ltd. on October 1, 2004. Since then, we have been maintaining our leading role in the industry, currently employing over 17,000 people.
We believe the consistent execution of best practices improves claim outcomes and reduces ultimate
cost. We are committed to prompt, professional, and fair claims handling tailored to the needs of our client.
Our claim services include:
  • 24/7/365 new claim intake by internet at or by telephone at 1-877-LOSS4TM (877-567-7486)
  • To send an email to our claims department, or to obtain on-line access, please forward your inquiry to
  • Claim registration with robust data capture, including multi-tier risk management coding
  • Fraud screening for all claims, with referral for special investigation where warranted
  • Subrogation and subsequent injury fund pursuit to reduce the net cost of claims
  • Careful loss and expense management, including timely reserve changes with documented rationale
  • A full range of medical management techniques, including multiple networks and utilization review.
  • Litigation management, including defense attorney protocols
  • Marine, products liability, and overseas travel accident insurance claims expertise through our subsidiary, TM Claim Services, Inc
Emergency or after-hours claims response at 1-877-LOSS4TM (877-567-7486)
We also provide customer access to MyTMM, a web-based, comprehensive claims management tool.
Corporate Social Responsibility Charter of TMM, Inc.

We are cognizant of Tokio Marine Holdings, Inc’s commitment to social responsibility by implementing and adhering to a management philosophy that promotes: (1) safety and security in the products and services it promotes; (2) dignity and human rights; (3) protection of the global environment; (4) contributions to local societies; (5) compliance; and (6) communication with its stakeholders. At TMM, we strive to uphold the core values of our parent in our local activities in the United States.

  • TMM’s Commitment to Products That Matter. We provide our clients in the United States with products that enhance their safety and security and allow them to conduct business in a meaningful way.

  • TMM’s Commitment to Dignity and Human Rights.  We respect the rights of all our employees and promote a working environment that supports and acknowledges diversity. TMM believes that one of the best ways to respect people is to honor the employment laws of the country, states and/or localities in which we do business.

  • TMM’s Commitment to Protecting the Environment. We acknowledge that protection of the local environment is critical to supporting and improving the situation of our local personnel.

  • TMM’s Contribution to Society.We believe that wherever we do business in the United States, we should actively promote and engage in philanthropic activities that strengthen our communities. We should strive to improve the quality of life of not only the members of our workforce, but of the local community and society at large.

  • TMM’s Commitment to Compliance. TMM believes the best way to show respect to the locality in which it does business is to comply with all applicable laws, rules and regulations, as well as show the highest level of ethical decision-making in all aspects of its operation.

  • TMM’s Commitment to Communication. At TMM, we believe that disclosing timely and appropriate communications to our policyholders and employees is the only way to do business correctly.