Tokio Marine HCC and Adaptive Insurance Partner to...

Tokio Marine HCC and Adaptive Insurance Partner to Deliver AI-Powered Restaurant Recovery Insurance for the Modern Food Service Industry

HOUSTON, TX - Tokio Marine HCC - Specialty Group, a member of the Tokio Marine HCC (TMHCC) group of companies based in Houston, Texas, today announced the launch of Restaurant Recovery, a new digital insurance solution designed to protect restaurant owners from financial and reputational damage. This innovation further reinforces the organization's position at the forefront of specialty risk solutions.

The product is powered by Adaptive Insurance's advanced AI-driven technology platform, giving restaurant owners and their insurance agents access to comprehensive protection via a new, streamlined online quoting and binding experience. Restaurant Recovery brings Tokio Marine HCC's existing, market-tested product to a new distribution channel in the US market.

The reputational stakes have never been higher. According to the International Food Information Council's 2025 Food and Health Survey, just 55% of Americans are confident in the safety of the US food supply, down from 70% in 2023. When trust breaks down, it's usually the individual brands and operators that bear the consequences. The scale of the exposure is significant. The Centers for Disease Control and Prevention estimates 48 million Americans contract foodborne illnesses each year, generating $55-77 billion in total economic losses annually. A severe outbreak at a single location can result in $1-2.6 million in direct losses; for nationally recognized brands, the financial damage can run to hundreds of millions.

With supply chain disruption causing significant industry upheaval and adverse publicity capable of reaching a mass audience within hours, traditional insurance processes often struggle to keep pace. Restaurant Recovery is designed to protect a restaurant's most valuable asset: its brand and reputation. Tokio Marine HCC delivers this through deep underwriting expertise and innovative delivery, enabling restaurant groups, ranging from single-location cafes to national franchises, to access tailored coverage in a fraction of the time.

The policy covers business expenses and financial losses resulting from:

• Accidental and supplier contamination
• Adverse publicity
• Malicious tampering and product extortion

Key product highlights:

• AI-Powered Speed: Powered by Adaptive's platform, brokers and owners can get a quote in seconds, demonstrating how Tokio Marine HCC is modernizing specialty insurance delivery.
• Significant Capacity: Policy limits of $500K or $1M, with flexible options.
• Comprehensive Financial Coverage: Covers key financial losses.
• Expert Crisis Response: 24/7 access to The Acheson Group (TAG), one of the world's leading food safety and public health consultancies. When an incident occurs, TAG's crisis response team contacts the TMHCC claims team immediately to confirm coverage is in place. The claims team then coordinates directly with the insured and/or their broker to gather any additional details needed to process the claim swiftly.

"Partnering with Adaptive allows us to bring our deep expertise in crisis management to a wider audience through a seamless, tech-forward experience," said Sean Curtin, President of Tokio Marine HCC - Specialty Group. The restaurant industry has never been more exposed. Incidents that once took days to escalate now unfold in a matter of hours, and the financial consequences can outlast the incident itself. Restaurant Recovery gives owners the confidence to act decisively and recover quickly."

"Restaurants are the heartbeat of our communities, but they are also uniquely vulnerable to the speed of information and the complexity of modern supply chains," said Mike Gulla, CEO and Co-Founder of Adaptive. "By powering Tokio Marine HCC's proven Restaurant Recovery product on our platform, we are giving owners the tools they need to secure their future instantly, shifting from a reactive stance to one of proactive resilience."

For more information on Restaurant Recovery insurance or to experience the platform, visit https://www.tmhcc.com or https://www.adaptiveinsurance.com.

About Tokio Marine HCC Tokio Marine HCC is a member of the Tokio Marine Group, a premier global company founded in 1879 with a market capitalization of $71 billion as of December 31, 2025. Headquartered in Houston, Texas, Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Continental Europe. Tokio Marine HCC's major domestic insurance companies have financial strength ratings of 'A+' (Strong) from S&P Global Ratings, 'A++' (Superior) from AM Best, and 'AA-' (Very Strong) from Fitch Ratings; its major international insurance companies have financial strength ratings of 'A+' (Strong) from S&P Global Ratings. Tokio Marine HCC is the marketing name used to describe the affiliated companies under the common ownership of HCC Insurance Holdings, Inc., a Delaware-incorporated insurance holding company. For more information about Tokio Marine HCC, please visit https://www.tokiomarinehcc.com.

About Adaptive Insurance
Adaptive Insurance is pioneering the path to climate resilience by harnessing AI and data, technology, and insurance to help customers build resilience against emerging risks. The company currently offers specialty solutions to help bridge gaps left by traditional insurance, including GridProtect, the first-of-its-kind parametric insurance for short-duration power outages. Powered by its proprietary AI-driven platform, Adaptive turns complex weather and climate data into actionable protection, giving customers the upper hand on Mother Nature. For more information, visit adaptiveinsurance.com.

Media Contacts:
Tokio Marine HCC
Nate Hayward
Communication Manager - Coroporate
[email protected]


Adaptive Insurance Media Relations

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