HCC Insurance Holdings.
HCC.US | Non-life insurance
HCC Insurance Holdings, Inc. is a specialty insurance company. It operates through the following segments: North American Property & Casualty, International, and Corporate. The North American Property & Casualty segment includes specialty lines of business, such as accident and health, aviation, ene...Show More
Better Health for All
10
HCC.US offers a specialized portfolio of Accident & Health insurance and reinsurance, including Medical Stop Loss, Captive Stop Loss, Cell and Gene Therapy solutions, Organ Transplant coverage, Disability insurance, Crisis Management Insurance, and MedPlus Group Supplemental Health Insurance.
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These products provide financial protection against catastrophic health risks such as premature births, organ transplants, and cancer care.
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The company also covers patient care services for individuals enrolled in qualified clinical trials for cancer or other life-threatening conditions.
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These trials must be peer-reviewed and approved by a federally funded or approved trial, or conducted under an FDA investigation new drug application, and patients must meet the study protocol's selection criteria.
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Fair Money & Economic Opportunity
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No evidence available to assess HCC Insurance Holdings on Fair Money & Economic Opportunity.
Fair Pay & Worker Respect
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The company received an average employee rating of 4.0 out of 5 stars from 396 reviews
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, which translates to 80%. Additionally, 75% of employees would recommend working at the company
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. Work-life balance, and culture and values were also rated 4.0 out of 5 stars
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. Compensation and benefits received a rating of 3.8 out of 5 stars
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, with some reviews noting good insurance packages, including birth control coverage
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, but also mentioning that pay could be more competitive
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. Senior management was rated 3.7 out of 5 stars
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, and career opportunities 3.8 out of 5 stars
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.
Fair Trade & Ethical Sourcing
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No quantitative data on any of the specified metrics for Fair Trade & Ethical Sourcing was found in the provided articles.
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Honest & Fair Business
0
The company incurred $3,009,650 in ethics-related regulatory fines across various subsidiaries over the past three years (2023-2025), primarily for insurance and economic sanction violations.
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Multiple subsidiaries, including those in Malaysia, Europe, and International operations, have whistleblowing policies.
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The TMHCC International policy is referenced in the Code of Business Conduct and Ethics, has a Whistleblowing Champion, and a 2024 survey indicated high employee engagement and confidence in their ability to speak up.
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For HCC International Insurance Company plc, the audit scope provided coverage of over 95% of Group total assets in 2024.
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An Anti-Bribery and Corruption policy is included in the Code of Business Conduct and Ethics, with e-learning training for all new employees.
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Comprehensive due diligence is performed on all third parties prior to engagement, with audits undertaken thereafter.
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The company actively monitors high-risk transactions, seeking approval on 43 occasions in 2024 based on country risk scores, and identified zero sanctions matches in 2024.
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Kind to Animals
0
HCC.US is an insurance company, and its core business model does not involve activities such as animal testing, animal-derived products, animal husbandry, or direct sourcing of animal products. Consequently, KPIs related to cruelty-free certification, alternative testing usage, humane certifications for operations, ethical input substitution, supplier audits for animal welfare, cage-free sourcing, animal testing policy and volume, innovation investment in animal-free technologies, and animal-free R&D collaboration are not applicable. While the parent company, Tokio Marine Group, engages in broader nature and biodiversity conservation initiatives, specific quantitative data required to score wildlife conservation impact based on revenue percentage is not provided. Similarly, public policy engagement focuses on general environmental and biodiversity policies, not explicitly animal welfare. In 2022, Tokio Marine America employees supported several local animal welfare charities, including CatNap from the Heart, Chicago Canine Rescue, Guide Dogs for the Blind, Operation Kindness, Pasadena Humane Society, and Pet Buddies Food Pantry.
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No War, No Weapons
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No evidence available to assess HCC Insurance Holdings on No War, No Weapons.
Planet-Friendly Business
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The company has maintained 'Carbon Neutral Status' for 11 consecutive years
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, indicating that net-zero was achieved in 2014
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, well ahead of the 2022 benchmark for early achievement. While a 'Carbon neutrality target year' of 2050 is also mentioned
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, the sustained achievement of carbon neutrality is the more material and verifiable fact.
Respect for Cultures & Communities
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No specific, quantifiable evidence was found in the provided articles for HCC.US that directly addresses the defined Key Performance Indicators for 'Respect for Cultures & Communities'. While articles mention general charitable giving and community programs by HCC.US and its parent company, Tokio Marine Group, they do not provide data points such as the number of formal partnerships with indigenous or local community groups, percentage of revenue reinvested in local community development, cultural appropriation incidents, or specific cultural impact assessment protocols. For example, while 7 charity partnerships were identified, this number does not align with the exact quantitative thresholds provided in the rubric for 'num_formal_partnerships'.
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Therefore, no KPIs could be scored based on the available evidence.
Safe & Smart Tech
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Tokio Marine HCC experienced an unauthorized data access incident between January 17-20, 2025, where an unauthorized party obtained consumer names and Social Security numbers from company websites
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. This constitutes one incident of unauthorized data use. Following the discovery on January 20, 2025, the company took affected websites offline
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, engaged cybersecurity experts
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, notified law enforcement
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, and sent data breach notification letters to affected individuals on January 31, 2025, including filing a notice with the Massachusetts Attorney General's office
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. This demonstrates basic, reactive compliance with breach notification regulations, but the occurrence of the breach itself indicates gaps in preventative compliance.
Zero Waste & Sustainable Products
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No evidence available to assess HCC Insurance Holdings on Zero Waste & Sustainable Products.