Tokio Marine Highland (TMH) Elevates Flood Insurance Operations

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.

• 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.

• 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.

TMH partnered with CARTO to modernize its geospatial stack and streamline exposure evaluation. This included leveraging CARTO to:

1. Empower underwriting decisions
2. Deliver life events storm tracking
3. Optimized portfolio management and tail risk management