The underwriting department at Tokio Marine HCC-Public Risk Group reviews and analyzes all of the municipalities that are insured under the programs that Tokio Marine HCC-Public Risk Group administers. Working closely with our field agents, the underwriting department analyzes a client or potential client's size, exposures, loss history, internal policies, coverage requirements and determines the premium that is required to insure the client.

Acting as the front line, the underwriting department has a high degree of responsibility to choose quality clients, either in terms of prior loss history or in terms of the client's willingness and desire to correct loss problems they have had in the past. The long term viability of the programs that Tokio Marine HCC-Public Risk Group administers depend on a good quality, loyal client base.


The Claims Department at Tokio Marine HCC - Public Risk Group is responsible for discharging the legal obligation of its clients through the expeditious payment of covered claims. In the execution of this responsibility, Tokio Marine HCC - Public Risk Group must endeavor to provide claimants, policy holders and agents with service of the highest caliber. Skillful and professional claims handling is essential to the programs and customers serviced by Tokio Marine HCC - Public Risk Group.

Risk Control

Tokio Marine HCC-Public Risk Group Risk Control Services provides customized loss control to Cities, Counties, Towns, Villages, Townships and other Municipal Governments. We work closely with many different departments within these municipal entities including Police, Fire, Parks & Recreation, Public Works and Personnel Departments. Our main objective is to assist these Municipalities in reducing and/or transferring potential liability exposures.

We also provide customized Risk Control Services to the Fairs and Festivals in the various states.

There are many potential exposures which Public Officials and Fair/Festival Board members must contend with. To help our members deal with these exposures several types of risk control services are offered. These include risk control profiles, recommendations for improvement, special event, contract language reviews, resource material, technical assistance, risk control workshops, conferences and meetings.