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Tokio Marine Specialty will selectively entertain and tailor broad casualty coverage for difficult to place retail stores, shopping centers, parking lots, and related exposures.

Target Classes

  • Department stores
  • Strip malls
  • Parking lots
  • Supermarkets
  • Pawn shops
  • Swap meets / flea markets

Unacceptable Exposures

  • Fortune 1,000 chain stores
  • Landmark buildings
  • Guaranteed cost approach

Coverages / Capacity

General Liability

  • Commercial General Liability – $1M each occurrence
  • Per location aggregates
  • Additional Insureds by written contract
  • Liquor Liability coverage up to policy limits
  • Pharmacists Legal Liability coverage available subject to underwriting guidelines


  • Commercial property coverage up to $10M per risk
  • Ability to write coastal risks including wind & hail coverage (depending on state and distance to coast)
  • Equipment breakdown including spoilage coverage available as optional coverage
  • Property Enhancement Endorsement available including Money & Securities, Backup of Sewers and Drains, and other additional coverages

Excess Casualty – Up to $25M in limits (Supported and Unsupported)

Financial Security

  • A.M. Best rated A++
  • Standard & Poor’s Assigned A+