InsuredBetter's Tokio Marine America Insurance Score
4 Stars
We award Tokio Marine America a final score of four out of five stars. The carrier has outstanding official ratings, including the highest possible rating of "A++" from AM Best and an "A+" from the Better Business Bureau (BBB). We also love that the carrier offers 24/7/365 claims reporting.
Tokio Marine America is a part of Tokio Marine Group, which has an extremely long-standing and rich history in the insurance industry. Tokio Marine Group was founded in 1879, making it one of the world's oldest insurers. All of Tokio Marine Group's insurance companies are dedicated to providing quality coverage to their customers across both commercial and personal lines.
Though Tokio Marine America has recently discontinued its personal lines coverage, the carrier still provides several types of commercial coverage, including commercial property and inland marine. Overall, we highly recommend working together with an independent insurance agent to look further into Tokio Marine America.
Key Takeaways - Tokio Marine America Insurance Company Review 2026
- Tokio Marine America is part of Tokio Marine Group, which is one of the world's largest and longest-standing insurance groups.
- Tokio Marine America offers several types of business insurance, including commercial property insurance and business interruption insurance.
- Tokio Marine America offers 24/7/365 claims reporting, and has an "A++" rating from AM Best and an "A+" rating from the BBB.
- An independent insurance agent can help you find quotes and insurance policies from Tokio Marine America and tailor coverage options to your unique business.
Tokio Marine America Insurance Company Pros and Cons:
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Part of Tokio Marine Group
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Personal lines insurance has been discontinued
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Rated "A++" (superior) by AM Best
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Rated "A+" (excellent) by the Better Business Bureau (BBB)
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Offers several types of commercial coverage
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Offers 24/7/365 claims reporting
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Tokio Marine America Insurance Products by Type
Here's an overview of Tokio Marine America's selection of insurance products:
Tokio Marine America Commercial Property Insurance
Tokio Marine America offers commercial property insurance coverage for businesses with large, risk-managed accounts with total values exceeding $500 million. Businesses in many different industries can qualify for this coverage, including those in manufacturing, communications, food and beverage, retail, and more.
Coverage types, features, and benefits:
All-risk property damage and business interruption
Tokio Marine America's all-risk property coverage includes protection against losses caused by terrorism, earthquakes, floods, windstorms, and business interruptions. This coverage also includes protection for boiler and machinery breakdowns and other covered causes of loss.
Tokio Marine America Commercial Property Insurance Average Prices
Tokio Marine America does not make its average commercial property insurance prices readily available. However, a local independent insurance agent can help you find all the information you need about policy options and pricing. They can obtain exact quotes from Tokio Marine America for this coverage and any other policies you may need for your business.
What Discounts Does Tokio Marine America Offer?
Tokio Marine America does not make information about its specific coverage discounts readily available. An independent insurance agent can provide more extensive discount information from Tokio Marine America. When it comes to coverage, independent insurance agents work hard to make sure you get the right insurance for your needs at the best possible rate.
Tokio Marine America Insurance Customer Service
Tokio Marine America allows customers to file claims 24/7. Here's an overview of Tokio Marine America's customer service contact options and availability:
- Phone
- 24/7/365 phone claims reporting
- Snail mail
- Online claims reporting
- The customer service phone department does not specify its contact hours.
| Days | Hours |
| Monday-Sunday | NOT SPECIFIED |
The best way to ensure a smooth customer service experience is by working with an independent insurance agent. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.
Tokio Marine America Insurance FAQs
What is Tokio Marine America's average claims response timeframe?
Tokio Marine America allows customers to file claims online, by phone, by email, or by snail mail. While the carrier promises to handle claims promptly, it does not offer a specific claims response timeframe.
What is Tokio Marine America's customer service availability?
Tokio Marine America is available to customers via phone, email, snail mail, and via the website portal. The customer service phone department does not list specific contact hours. However, claims can be reported 24/7/365.
Is Tokio Marine America a good insurance company?
With outstanding ratings from AM Best and the BBB, yes, Tokio Marine America can certainly be considered a good insurance company.
Does Tokio Marine America Create a user-friendly experience for customers?
Tokio Marine America's official website is intuitive and easy to navigate. Pertinent information can be found quickly. The carrier also offers 24/7/365 claims reporting via multiple mediums. Overall, Tokio Marine America offers an outstanding user-friendly experience for customers.
Does Tokio Marine America have good commercial insurance?
Yes, Tokio Marine America has good commercial insurance. Several types of business insurance products are offered, including commercial property insurance for large accounts, business interruption insurance, inland marine insurance, ocean cargo insurance, and more.
Who are Tokio Marine America's insurance products right for?
Tokio Marine America's insurance products are right for commercial customers with businesses in many different industries, including retail, manufacturing, food and beverage, hospitality, health services, and more.
Sources
https://tmamerica.com/Index.aspx
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12340
https://www.bbb.org/us/ny/new-york/profile/insurance-companies/tokio-marine-management-inc-0121-65107