Tokio Marine Group Insurance Review & Complaints: Commercial Insurance

Tokio Marine Group offers basic commercial insurance for property, commercial auto, ocean marine and general liability as well as worker's compensation coverage. Tokio Marine Group ratings from AM Best and Fitch are A++ and A+, respectively.

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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: Mar 31, 2022

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Tokio Marine Group

Financial Strength

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.

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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 offer a 24/7 claims service online or through its claim’s 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 by the Better Business Bureau, and it does not appear to have an official headquarters page, likely because it is based overseas. The page that is listed for the company shows no complaints.

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Financial Strength

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

What they don’t cover

Tokio Marine Insurance does not cover the following:

  • Comprehensive Cover
  • Your own death or bodily injury due to a motor accident
  • Your liability against claims from passengers in your vehicle
  • Loss, damage or liability arising from an act of nature (i.e. flood, storm or landslide)

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, their products are represented by a large statewide agency network, featuring  independent agencies.

You can read more about the company and find a list of subsidiaries on their website.

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