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Tokio Marine (US) — HonestPolicy Grade

Overall: B (score 53.0/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Tokio Marine (US) underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

US personal-lines presence is PURE (high-net-worth home/auto); Philadelphia Indemnity's auto book is commercial (nonprofits/human services). Both are Tokio Marine group paper per the NAIC 2024 group index.

Automobile: A score 68.1/100 · composite relative index 0.47 · 4 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile2025125,4002,48015,044,7980.24[tx]0.3
TX Automobile2024125,6181,59414,898,9760.36[tx]0.12
NY Automobile20242$48.4M629$18,428M1.21[ny]0.12
NY Automobile20234$44.4M445$16,202M3.28[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE (NAIC 12873) (tiny book — below the credibility floor on its own)07,4340.0 (TDI index)
TX · 2025PHILADELPHIA INDEMNITY INSURANCE COMPANY (NAIC 18058)017,6250.0 (TDI index)
TX · 2025TOKIO MARINE SPECIALTY INSURANCE COMPANY (NAIC 23850) (tiny book — below the credibility floor on its own)01120.0 (TDI index)
TX · 2025TOKIO MARINE AMERICA INSURANCE COMPANY (NAIC 10945) (tiny book — below the credibility floor on its own)112150.18 (TDI index)
TX · 2025HOUSTON CASUALTY COMPANY (NAIC 42374) (tiny book — below the credibility floor on its own)01080.0 (TDI index)
TX · 2024PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE (NAIC 12873) (tiny book — below the credibility floor on its own)07,5430.0 (TDI index)
TX · 2024PHILADELPHIA INDEMNITY INSURANCE COMPANY (NAIC 18058)017,7470.0 (TDI index)
TX · 2024TOKIO MARINE SPECIALTY INSURANCE COMPANY (NAIC 23850) (tiny book — below the credibility floor on its own)01350.0 (TDI index)
TX · 2024TOKIO MARINE AMERICA INSURANCE COMPANY (NAIC 10945) (tiny book — below the credibility floor on its own)111879.27 (TDI index)
TX · 2024HOUSTON CASUALTY COMPANY (NAIC 42374) (tiny book — below the credibility floor on its own)0750.0 (TDI index)
NY · 2024Privilege Underwriters Reciprocal Exchange (NAIC 12873)1 (upheld, of 3 total)$42.9M (premiums)0.02330738 (DFS ratio, rank 66)
NY · 2024Philadelphia Indemnity Insurance Company (NAIC 18058) (tiny book — below the credibility floor on its own)1 (upheld, of 3 total)$5.5M (premiums)0.181490245 (DFS ratio, rank 112)
NY · 2023Privilege Underwriters Reciprocal Exchange (NAIC 12873)2 (upheld, of 2 total)$39.3M (premiums)0.05089242 (DFS ratio, rank 94)
NY · 2023Philadelphia Indemnity Insurance Company (NAIC 18058) (tiny book — below the credibility floor on its own)2 (upheld, of 2 total)$5.1M (premiums)0.394798841 (DFS ratio, rank 121)

Homeowners: D score 38.0/100 · composite relative index 1.63 · 2 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners2025311,9971,1539,068,5181.97[tx]0.3
TX Homeowners2024112,0177339,050,7531.03[tx]0.12

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE (NAIC 12873)311,9951.97 (TDI index)
TX · 2025HOUSTON CASUALTY COMPANY (NAIC 42374) (tiny book — below the credibility floor on its own)020.0 (TDI index)
TX · 2024PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE (NAIC 12873)112,0161.03 (TDI index)
TX · 2024HOUSTON CASUALTY COMPANY (NAIC 42374) (tiny book — below the credibility floor on its own)010.0 (TDI index)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).