Domestic P&C Insurance

The domestic P&C insurance business meets a variety of customer needs through three companies. Sompo Japan Nipponkoa Insurance Inc. is the Group’s core business and sells insurance through agencies. SAISON AUTOMOBILE AND FIRE INSURANCE COMPANY, LIMITED, is responsible for direct sales. Sonpo 24 Insurance Company Limited conducts direct sales to customers introduced by agencies. Further, Sompo Japan Nipponkoa DC Securities Inc. provides defined contribution pension fund management services. Sompo Risk Management & Health Care Inc.provides business continuity management and planning (BCM / BCP), and enterprise risk management (ERM).


Market Share (Sompo Japan Nipponkoa)

Sompo Japan Nipponkoa, our core business company, boasts more premiums written than any other individual P&C insurance company in Japan.

Source: Insurance, Hoken Kenkyujo (Insurance Research Institute)
Based on total domestic net premiums written of direct insurers, which have corporate status or branches in Japan, excluding reinsurance companies

Customer Base(Sompo Japan Nipponkoa)

We aim to offer a wider range of services that provide even more customers with security, health, and wellbeing.

Sales Network(Sompo Japan Nipponkoa)

We are building a wide range of sales networks including specialized professional agencies, companies, and dealers to become a familiar and trusted presence for customers.

  • Gross premium on a performance evaluation basis, excluding saving-type insurance.


Services supporting the promotion of Health and Productivity Management

The Group supports the promotion of the Health and Productivity Management system at companies, and provides integrated services, ranging from those to identify issues and propose policies related to health by analyzing data including from health examinations, hospital receipts, stress surveys, and work productivity, while providing guidance and solutions in regard to public health, to solutions such as mental health measures, and countermeasures for lifestyle-related disorders.


Insurance Products and Safe Driving-Related Services Leveraging Digital Technologies

Sompo Japan Nipponkoa Insurance Inc. is developing insurance products and services harnessing digital technologies to provide customers with services of the best quality that contribute to "security, health, and well-being." For instance, we introduced insurance discounts linked to safe driving performance, and developed a new safe driving support service to provide peace of mind to people who are not confident about their driving skills, and their families.

Japan’s First Telematics Insurance Utilizing Smartphones—Safe Driving Automobile Insurance Discount Up to 20% (March 2017)

Sompo Japan Nipponkoa Insurance Inc. developed telematics insurance offering a safe driving discount of up to 20% on new policy premiums, including when a new vehicle is purchased. The discount depends on driving analysis results from Portable Smiling Road, a safe driving navigation app. Slated for launch in 2017, this is Japan’s first insurance product where premiums are discounted according to an analysis of driving behavior based on data obtained from a smartphone app. We aim to provide insurance rates that make sense to customers and further encourage safe driving.

DRIVING!, a New Personal Safe Driving Assistant Utilizing Telematics to Promote Peace of Mind and Safety for All Drivers (February 2017)

The new telematics-based personal safe driving assistant DRIVING! helps bring peace of mind and safety to vehicle ownership by drawing on the safe driving support expertise of Sompo Japan Nipponkoa Insurance Inc. We began taking applications for DRIVING! as a limited-time service for the first 5,000 vehicles in March 2017. The trial has proved popular, with all places now filled.

  • The limited-time service ends in September, after which we plan to revamp functions prior to a full rollout. DRIVING! uses a dedicated drive recorder with safe driving support and emergency text messaging functions to provide greater peace of mind to drivers on the road. The service also offers safe driving assessments and computer-based visual training so customers can tune up their driving skills off the road. DRIVING! has drivers covered when it comes to enjoying the road.

Added New Functions to "Portable Smiling Road", A Safe Driving Navigation App (March 2017)

In March 2017, Sompo Japan Nipponkoa Insurance Inc. added new functions to “Portable Smiling Road,” a safe driving navigation app*.
Based on the desire to minimize accidents as much as possible, Sompo Japan Nipponkoa Insurance has worked to increase the sophistication of its big data analysis technology and has taken advantage of its research findings to develop new functions that will enable users to drive even more safely. Moreover, based on the requests of customers who are already using the service, new functions that highlight the enjoyment of using Portable Smiling Road have been added. Looking ahead, Sompo Japan Nipponkoa Insurance will continue helping to further reduce the incidence of auto accidents, thereby realizing a safer and more secure society.

  • The car navigation function is provided by NAVITIME JAPAN Co., Ltd.

Launch of Japan’s First Corporate Insurance for Online Flaming (Enjo) Countermeasures (March 2017)

Sompo Japan Nipponkoa Insurance Inc. developed corporate insurance for online flaming (enjo) countermeasures, a new issue for companies arising from growth in smartphone and social media users. Launched in March 2017, it is the first online flaming (enjo) insurance in Japan generally available to companies regardless of their business field.

<Costs covered>

(1)Flaming (enjo) countermeasures costs
Expenses related to causal investigation, consultations, containing flaming incidents, worker overtime, setting up call centers, etc.
(2)Costs for a media response
Media response consulting costs, media advertising costs

<Additional services automatically included>

(1)Support for online flaming (enjo) countermeasures provided by Eltes Co., Ltd.
(2) Media crisis response assistance provided by Sompo Risk Management & Health Care Inc.

Japan’s First Disaster Response Test in Skyscraper-Dense Area Utilizing Drones—Team Shinjuku Initiative Aiming to Collect Information and Guide Stranded People at Times of Disaster (February 2017)

On February 11, 2017, Sompo Japan Nipponkoa Insurance Inc. and Sompo Risk Management & Health Care Inc., who are members of the Council for Measures to Reduce Disaster Risks in the Shinjuku Station Area, teamed up with Kogakuin University, Rikei Corporation, and Shinjuku City as "Team Shinjuku" to jointly conduct a test in the skyscraper-dense Shinjuku West Exit area to confirm the effectiveness of using drones to collect information and guide stranded people at the time of a disaster.
Team Shinjuku members supplied most of the personnel, equipment, funding, and other resources required for the test, which aimed to establish and operate a communication network between key bases, disseminate information to provide smooth guidance to stranded people, and collect information at the time of a disaster. We plan to continue working through this project to contribute to regional disaster preparedness in fiscal 2017 onward.

Received the Prime Minister's Award. (December 2016)

This award is granted to progressive companies that have superior policies, measures and track records on the appointment of women to executive or managerial positions, and provide outstanding disclosure of information about these matters, in order to develop work environments that promote women’s success.
Sompo Japan Nipponkoa Insurance Inc. has been working to promote women’s success in partnership with communities as a signatory to the Women’s Empowerment Principles (WEPs) of the United Nations. Measures have included developing programs to make careers easier to pursue, including maintaining a good work-life balance, and providing opportunities that increase employee motivation, such as bolstering the training of women. As a result, Sompo Japan Nipponkoa Insurance Inc. has been steadily improving the percentage of women in managerial positions, implementing workstyle reforms to boost productivity, such as telework and flexible work shifts for all employees, and steadily improving childcare leave for male employees. In recognition of these achievements, Sompo Japan Nipponkoa Insurance has received the Prime Minister’s Award.

Launch of the “Second Opinion Service for Wind Power Generation Businesses.” (November 2016)

In November 2016, Sompo Japan Nipponkoa Insurance Inc. and Sompo Risk Management & Health Care Inc. began jointly providing the “Second Opinion Service for Wind Power Generation Businesses.” This new service provides solutions to various problems that could occur during the operation or maintenance of wind farms, and is offered to wind generation businesses enrolled in Sompo Japan Nipponkoa Insurance’s fire insurance. Sompo Risk Management & Health Care will receive consultations regarding operation and maintenance, and will respond to issues by compiling a comprehensive range of opinions gathered from wind power maintenance companies, engineers and other experts. Sompo Japan Nipponkoa Insurance and Sompo Risk Management & Health Care will contribute to the prevention of accidents and malfunctions at wind power generation businesses in conjunction with helping to prevent any damage from spreading.

Sompo Embarks on Use of Blockchain Technology for Derivative Products (September 2016)

Sompo Holdings,Inc. in partnership with Soramitsu Co., Ltd., has started to develop a system (currently in a beta version for user trials) that utilizes blockchain technology to provide customers with highly convenient derivative products and efficient services.
The new system aims to create a service that simultaneously shares contract details and other data on a blockchain in order to accurately and swiftly implement each stage of the insurance process, from managing risk aggregation for derivative products to determining whether to pay out on claims and implementing procedures to pay compensation.

Note: Derivative products assist companies that have suffered reduced earnings or increased expenses due to natural phenomena such as earthquakes, typhoons, and volcanic eruptions by paying out a fixed amount in response to changes in indices of temperature, rainfall, or similar data, or the occurrence of trigger events including earthquakes and volcanic eruptions.

Group Companies

Sompo Japan Nipponkoa Insurance Inc.

The core company of the Group and the P&C company with the largest number of premiums written in Japan.


An insurance company responsible for direct marketing of the Group’s P&C insurance business.

Sonpo 24 Insurance Company Limited

P&C insurance company with its own mediated direct marketing, mainly through insurance agencies.

Sompo Japan Nipponkoa DC Securities Inc.

A company specializing in defined-contribution pension plans (DC), providing a variety of services relating to DC, from plan introduction to management.

Sompo Risk Management & Health Care Inc.

A company provides services such as specific health guidance and health counseling, employee assistance programs, business continuity management and planning (BCM / BCP), and enterprise risk management (ERM).