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Annual Report and Consolidated Financial Statements Year Ended 31 December 2019

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Annual Report and Consolidated Financial Statements Year Ended 31 December 2019 HCC International Insurance Company plc Annual report and consolidated financial statements Year ended 31 December 2019 Tokio Marine HCC 1 Aldgate, London EC3N 1RE T: +44 (0)20 7648 1100 tmhcc.com To Be a Good Company HCC International Insurance Company plc is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority. Tokio Marine HCC is a trading name of the Tokio Marine HCC International companies. Registered in England and Wales No. 01575839. Registered office: 1 Aldgate, London EC3N 1RE. tmhcc.com Annual Report and Accounts 2019 1 HCC International Insurance Company plc Contents Annual Report and Accounts 2–32 Strategic Report 2 Strategic Management Year ended 31 December 2019 12 Business Performance and Position 18 Business Environment 26 Non-Financial KPIs 27 Non-Financial Information Statement 32 Corporate Governance Report 44–45 Directors’ Report Financial Statements 46 Independent Auditors’ Report 54 Consolidated Profit and Loss Account 55 Consolidated Statement of Delivering Other Comprehensive Income 56 Consolidated Balance Sheet 58 Consolidated Statement of Changes in Shareholder’s Equity for Today 58 Consolidated Statement of Cash Flows 59–92 Notes to the Consolidated Financial Statements 93–95 Company Financial Statements 94 Company Balance Sheet 95 Company Statement of Changes in Equity Committed 96–107 Notes to the Company Financial Statements to Tomorrow 2 HCC International Insurance Company plc Annual Report and Accounts 2019 3 Strategic Report Strategic Management HCC Insurance Holdings, Inc. (TMHCC HCC Syndicate 4141 (a wholly aligned business was underwritten by TME To mitigate this risk, in 2018 HCCII Cross-Border Merger Group) is a subsidiary within the TM Lloyd’s syndicate) and Houston Casualty through its branches in Spain, Ireland, established and received regulatory In order to simplify TMHCC Group’s legal Business Structure Group based in the United States and is a Company (London Branch). HCCII and France, Germany, Italy, Denmark, authorisation for TME and its European entity structure (outside the US) and HCC International Insurance Company leading international specialty insurance TME have standalone S&P ratings of A+. Belgium, Norway, Netherlands. European branches. The legal Part VII transfer align it with its operating structure, the plc (‘HCCII’) and its subsidiaries (the group with more than 100 classes of The platform used is based on prescribed risks presented in the London Market process between HCCII, TMKI and TME decision was taken in early 2019 to carry ‘Group’) is part of the Tokio Marine Group specialty insurance and underwrites risks rules and client choice if licensing have been underwritten through TME’s was effective from 1 January 2019. This out a cross-border merger of HCC Global (‘TM Group’), whose ultimate holding located in approximately 180 countries. permits. branch in the UK. enabled the transfer of existing insurance Financial Products S.L. (HCCG) into TME company is Tokio Marine Holdings, Given its financial strength and track and reinsurance contracts that had At 31 December 2019 the Group includes The results of the Group are included Spanish branch. HCCG was the TMHCC Inc. TM Group is a leading international record of excellent results, it benefits historically been underwritten by HCCII the following principal subsidiaries: within these consolidated financial insurance group located in Tokyo, from an S&P rating of A+. and TMKI European branches and all TME, Qdos Holdings Limited (QHL), a statements for the years ended 31 Japan which has 249 subsidiaries, and branch employees to TME on 1 January TMHCC International, which had Gross UK underwriting agency and its wholly December 2019 and 2018. 22 affiliates located worldwide, which 2019. The transfer was affected through Written Premiums (GWP) of $1.245bn owned subsidiary, Qdos Broker and undertake non-life and life insurance and During 2019 there were further changes TME issuing one share each, first to TMKI in 2019 (2018: $846.6m), is TMHCC Underwriting Services Limited (QBuS), operate within the financial and general to the Group’s structure due to a cross- and then to HCCII. TME commenced Group’s operating segment outside which distributes Professional Indemnity business sector (including consulting and border merger of TME and HCC Global underwriting new and renewal business of the United States. Located in the (PI), Employers and Public Liability (EL real estate). Financial Products S.L. (HCCG). This on 1 January 2019. Further details of the United Kingdom and Continental Europe, & PL) and Tax Enquiry and Liability (TEL) followed several changes in 2018, which Part VII transaction are contained in Note As of 31 December 2019, TM Group had TMHCC International (illustrated by insurance to the UK small contractor included the establishment of TME and 7. With the successful establishment total assets of ¥24.4 trillion (December the structure chart below) underwrites market via Qdos Shop, an online digital the acquisition of QHL. and operation of TME, the Group is well 2018: ¥23.3 trillion) and shareholders’ business on four different insurance distribution platform and HCCI Credit positioned to modify its operations, if equity of ¥1.9 trillion (December 2018: platforms: HCCII (a UK insurance Services Limited (Credit Services). Credit TME necessary, to adapt to the transition and ¥1.9 trillion). TM Group and a number company), its wholly owned subsidiary Services provides data and information ultimate agreements between the UK and of its major insurance companies have Tokio Marine Europe S.A. (TME), (a services to the credit insurance market. TME was established in response to the EU. a financial strength rating of A+ (Stable) Luxembourg insurance company), The Group is well capitalised and HCCII the United Kingdom’s vote to leave the from Standard & Poor’s Financial continues to be the flagship entity of the European Union (EU) in June 2016 which Services LLC (S&P). TMHCC International segment with a has resulted in the UK’s exit from the EU S&P rating of A+. on 31 January 2020. The triggering of Article 50 presented the TM Group with Oslo During 2019, the Group conducted Tokio Marine the risk that HCCII and its UK affiliate, Holdings, Inc. business through HCCII’s principal Tokio Marine Kiln Insurance Limited offices in London, its regional offices (TMKI), would, upon the UK’s exit from across the UK and through its branch the EU, no longer be licensed to write in Switzerland. The Group’s European the European business historically HCC Insurance underwritten through their respective Holdings, Inc. European branches and on a freedom of Co Kildare Manchester Copenhagen services basis in the UK. Leicester* Bridgend Birmingham Bristol Amsterdam London** HCC Global Financial Dusseldorf Brussels Products LLC* Frankfurt Paris Luxembourg Houston Casualty Tokio Marine HCC Insurance HCC Intermediate Strasbourg Company Holdings (International) Ltd Holdings Inc Munich Nantes Geographical footprint Colmar The map illustrates the locations of the Group’s branches and Houston Casualty HCC International Bordeaux HCC Syndicate 4141 offices throughout Europe Lyon Company (UK Branch) Insurance Company plc Milan * 2 offices ** 3 offices Barcelona These entities Tokio Qdos HCCI Credit form the Marine Holdings Services TMHCC Europe S.A. Limited Limited International segment. Information as at 1 February 2020. This simplified structure chart shows ownership information for the principal operating entities within the TMHCC International segment. *Holds a minority shareholding of 1.2%. 4 HCC International Insurance Company plc Annual Report and Accounts 2019 5 Strategic Report continued Group’s Underwriting Agency located in Group, but is largely a diversifier within written by TMKI in the UK, have been Barcelona, which historically underwrote the wider insurance and reinsurance underwritten on HCCII. The employees Financial Lines business on HCCII’s business and the approach of the responsible for the Japanese accounts Spanish Branch. From 1 January 2019 Marine Liability underwriters provides transferred to HCC Service Company, International this business has been underwritten on diversity within the portfolio, enabling the Inc (UK Branch) on 1 January 2020. TME’s Spanish Branch. Group to achieve strong and consistent Senior Management changes underwriting profit. As a result of the cross-border merger, all The Group underwent changes to its assets and liabilities of HCCG transferred European Surety Executive and Senior Management Reach to TME Spanish branch on 17 July 2019, Historically the Group’s Surety business Team effective 1 October 2019, ensuring with all employees transferring on 1 has been principally comprised of UK continued alignment with its strategic August 2019. risks, however in recent years the objectives and operating model whilst account has seen an increasing amount maintaining the Group’s flat management Several share transfers and share of European business, particularly structure and operational flexibility. issuances took place in connection Integrated from France, Ireland, Scandinavia and This reorganisation facilitated the move with the merger and as a result HCCG’s Netherlands. Consequently, in 2019 of Nick Hutton-Penman (Group Chief sole shareholder, HCC Global Financial Surety commenced its expansion into Operating Officer) within the TM Group, Products LLC received a minority Continental Europe and the Group
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