Tokio Marine HCC Specialty Group selects Origami Risk platform. The insurer has selected the cloud-native P&C platform to support policy, billing and claims operations. Anthony R. O'Donnell // April 14, 2026 (Image source: TMHCC homepage.) Tokio Marine HCC-Specialty Group (TMHCC, Houston) has selected Origami Risk (Chicago) to provide its cloud-native property/casualty platform supporting policy, billing and claims operations across its global specialty portfolio. Tokio Marine HCC-Specialty Group will implement Origami Risk's full suite to streamline workflows, improve speed to market and support service delivery across specialty lines. The selection followed an evaluation process that included a marketplace review, requirements analysis and a proof of concept, according to the companies. "Tokio Marine HCC-Specialty Group operates in complex and specialized areas of the insurance market," says Matt Overlan, CEO, Tokio Marine HCC-Specialty Group. "Origami Risk's configurable, cloud-native platform provides the flexibility to support our diverse underwriting needs while driving the speed and efficiency our business requires." Origami Risk says its platform is designed to support policy administration, rating, billing, claims management and analytics within a single system. Flexibility, Configurability and Ability to Model Complex Reinsurance "We're honored to support Tokio Marine HCC-Specialty Group as they take a major step forward in optimizing their core systems," says Mike Kaplan, Chief Client Officer, Origami Risk. "Their business requires exceptional flexibility, deep configurability, and the ability to model complex reinsurance. Origami Risk's platform is purpose-built to help carriers operate more efficiently, respond quickly to market changes, and deliver outstanding service to partners and policyholders." Tokio Marine HCC-Specialty Group is part of Tokio Marine Group, which operates globally across specialty insurance markets.

R&W insurance in practice: from signing to claim resolution. On 17 March 2026, Tokio Marine HCC International (TMHCCI), in collaboration with law firm Galicia and broker Risco, hosted a focused webinar for the Mexican legal market exploring how representations and warranties (R&W) insurance operates in practice when claims arise. Led by Naomi Barnes (TMHCCI), the session brought together lawyers from Galicia alongside representatives from Risco and TMHCCI, enabling a practical exchange of views grounded in real claims experience. Beyond the "backstop" R&W insurance is often described as a backstop in M&A transactions. In reality, the most complex and value-defining moments occur post-closing, when policy terms are tested through a live claim. As adoption continues to grow in Mexico, a key point stands out: knowing when and how to activate a claim is critical. Early decisions can significantly influence both coverage outcomes and the time and cost involved. A structured but nuanced process The claims journey typically follows a structured path: * issue identification and notification * coverage analysis and investigation * loss quantification and resolution However, within that structure, complexity quickly emerges. One of the most underestimated steps is the notice. While it does not need to be perfect, it must clearly articulate the facts and circumstances that could give rise to a claim. This early framing often sets the tone for the entire process. From there, coverage analysis requires careful interpretation of sale and purchase agreements, disclosure materials and policy wording. These are areas where perspectives may differ between deal teams and claims specialists, and where experience plays a critical role. Coverage is rarely binary. Many issues sit in grey areas, particularly around disclosure, known risks or specific indemnities, requiring detailed, evidence-based assessment. Where claims converge: loss Ultimately, most R&W claims converge on a single question: loss. Whether assessed through diminution in value, remediation costs or financial adjustments, the chosen methodology can shape both the outcome and the timeline of a claim. R&W claims are inherently evidence-driven. Strong documentation, clear communication and a disciplined approach throughout the process can significantly reduce friction and support more efficient resolution. Insights grounded in experience The session also included an open Q&A, reflecting on TMHCCI and Galicia's experience handling claims and highlighting the practical realities behind policy wording. These themes align with insights from the TMHCC Transaction Risk Insurance Claims Report (December 2025), which explores how claims develop in practice and where key challenges and opportunities arise. They also reflect TMHCC's global Transaction Risk Insurance capabilities and continued commitment to the Latin American market, combining international expertise with local insight to deliver effective outcomes for clients and brokers across the region, as the market continues to evolve. Contact details. Naomi Barnes. Senior Claims Counsel and TRI Lead Juan manuel velazquez. TRI Manager - Southern Europe & LatAm