HCC Insurance Holdings Insurance Review & Complaints

HCC Insurance Holdings writes a long list of commercial insurance policies, including financial and professional, marine and aviation, credit and political risk, and property plans. HCC Insurance Holdings reviews find the HCC Insurance Holdings ratings are an A+ with the Better Business Bureau, and even though the HCC Insurance Holdings Company is not accredited, they are well worth considering.

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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 place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 28, 2022

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HCC Insurance Holdings

Financial Strength

HCC Insurance Holdings Inc. 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. Tokio Marine is one of the biggest and best insurance companies in the world. HCC no longer has their own website. They write specialty insurance products through a group of companies around the world.

This HCC Insurance Holdings Insurance review will cover everything you need to know about the insurance company, including HCC Insurances Holdings rates, and how to get HCC Insurance Holdings quotes.

Read on for a full review of HCC Insurance Holdings Group, but first enter your ZIP code to compare insurance quotes for free.

What is Tokio Marine HCC?

HCC Insurance Holdings of Houston, TX 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 Group, 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.

The international company has its U.S. headquarters in Houston, Texas. International offices are located in multiple locations around the globe.

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What types of insurance products are offered?

As mentioned above, the insurer 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. You can also brush up on insurance definitions if you’re concerned about what is offered and are unfamiliar with the terms used.

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. The company caters to the aviation industry as its 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 plans. 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

The insurer offers a range of disability, accident, and health insurance 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.


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 trip insurance 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 business 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.


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

Does HCC insurance holdings offer competitive 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 insurance quote can only be calculated by an agent with specific knowledge of the company in question and its needs. This shows the care that they put into their business, wanting to provide tailored offers instead of slinging random numbers at potential consumers.

Can claims be filed online?

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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Are the ratings and consumer reviews positive?

The insurer 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 five 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 international 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.

HCC Insurance Holdings: What’s 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.

Customer reviews and financial strength ratings are excellent points when looking at insurance carriers. Taking careful consideration, researching the companies, and looking at insurance buying guides can help lead you to a more positive experience.

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