CUSTOMER STORIES

Tokio Marine Highland (TMH) Elevates Flood Insurance Operations

CARTO empowers our underwriters to leverage their deep industry knowledge and experience for strategic decision-making and agent engagement, rather than spending time managing data.

Tracey Reid

Senior Vice President, TMH Private Flood Division

CARTO empowers our underwriters to leverage their deep industry knowledge and experience for strategic decision-making and agent engagement, rather than spending time managing data.

Tracey Reid

Senior Vice President, TMH Private Flood Division

The Client

Tokio Marine Highland (TMH)

Tokio Marine Highland (TMH) is a specialty Managing General Underwriter (MGU) focused on private flood, fine arts and specialty property insurance, and delivering data-driven risk solutions as part of the Tokio Marine Group.

The Challenge

TMH faced increasing underwriting complexities due to:

80% of major hurricanes rapidly intensifying, driving both stronger wind damage and higher flood risk.
The need for faster and more accurate underwriting decisions to manage evolving perils.
Fragmented and time-consuming workflows where underwriters manually compiled data from many internal and external sources to understand trends and make crucial decisions.
A lack of real-time visibility into live storm events, limiting claims planning and response.
High exposure concentration within certain geographic regions requiring enhanced portfolio and tail risk management.

To meet these challenges, TMH sought a geospatial intelligence solution that could empower underwriters, accelerate storm response, and support smarter portfolio decisions while integrating easily into existing infrastructure and workflows.

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Results

Results at a glance

30% Boost: Eliminated manual data gathering, saving time and unlocking significant productivity gains.
90% Faster: Replaced spreadsheet-based storm analysis with real-time tracking—cutting response time from 1 day to minutes

"Before CARTO, our underwriters were spending 30% of their time on underwriting evaluations—compiling and trying to visualize risk data from multiple sources including slosh data, claims data, and burn scar maps. That was valuable time lost on manual steps instead of underwriting decisions."

Download the full Tokio Marine Highland Case Study to learn exactly how they modernized their geospatial stack, cut storm analysis time by 90%, and reduced risk concentration for better reinsurance pricing.