Domestic P&C Insurance

Providing high-quality P&C
insurance products and services
that respond to diversifying risks.

The domestic P&C insurance business meets a variety of customer needs through three companies. Sompo Japan 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. Further, Sompo Japan DC Securities Inc. provides defined contribution pension fund management services. Sompo Risk Management Inc. provides business continuity management and planning (BCM / BCP), and enterprise risk management (ERM).


Market Share (Sompo Japan)

Market Share in Domestic P&C Insurance

Sompo Japan, our core business company, has a large share in the Japanese P&C insurance market.

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)

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

Sales Network(Sompo Japan)

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.


Started sales of “Nyuin Passport,” a medical insurance policy that covers actual expenses

Sompo Japan has been selling the “Nyuin Passport (Healthy Life Support Insurance),” a medical insurance policy that covers actual expenses and pays claims in as little as 30 minutes, since June 2021.
Based on a thorough analysis of customer needs related to hospitalization, this product not only fully compensates for actual medical expenses for unforeseen hospitalizations in the future, but also offers unique coverage features such as hospitalization preparation insurance benefits that can be received prior to hospitalization, as well as the “Choose your level of hospitalization support” offering aimed at alleviating the burden on the hospitalized person and the family taking care of the patient. In addition to being able to complete the enrollment procedure in about five minutes by gaining access to our website, etc., the insurance claim procedure can be completed in as little as 30 minutes and generally within 24 hours by taking and sending a picture of the receipt issued by the health facility with a smartphone.

Launching UGOKU (transportation insurance) to cover the transportation risk of people who have relinquished their personal vehicles

In June 2021, Sompo Japan launched UGOKU (transportation insurance) for people who have relinquished their personal vehicles in a first for the industry.
This product provides the coverage which customers need to keep for their daily lives even if they have canceled their automobile insurance. In order to support safe and secure transportation, this product covers a wide range of risks for all family members concerning transportation, such as walking, cycling, and riding on trains and buses.
In recent years, customers’ values and behaviors toward transportation have been changing rapidly from ownership of vehicles to mere usage. These changes have been caused by reforms to the structure and business model of the mobility industry, exemplified by the technology trends of connectivity, automation, sharing and electrification (CASE) and mobility as a service (MaaS). Through UGOKU, Sompo Japan will help create an environment in which customers can live comfortably amid changes in social environments and lifestyles.

Launching Medical Master in package-type products for small- and medium-sized enterprises to cover disease risk for executives and employees

Sompo Japan launched Medical Master, a plan that includes coverage of disease risk for executives and employees, in June 2021 as part of Business master plus, comprehensive business activity insurance that is a product for small- and medium-sized enterprises.
Business master plus is a package-type product that comprehensively covers the various risks faced by small- and medium-sized enterprises (such as property damage, losses due to absence from work, compensation liability and workplace accidents). The product features simplified sign-up processes, such as enabling the necessary coverage to be selected freely, premium calculations possible simply through a declaration of the business type and net sales (total floor area also required in some cases) and not requiring details such as the covered properties.

Launching a service to automatically calculate insurance claims during flooding

Sompo Japan launched SOMPO Flood Damage Support, a service that calculates a rough estimate of insurance claims for filing for accident insurance due to flooding based on the status of damage captured by a customer’s smartphone, in October 2020. By using AI technology and image data of the damaged locations and a PET bottle taken using the customer’s smartphone camera, we measure the height of floodwater and produce an automatic calculation of the rough estimate of insurance claims, thereby enabling quicker payment. Based on environmental changes such as new lifestyles brought on by the COVID-19 pandemic, we will continue to provide claims services that can meet customers’ needs in such ways as expanding non-direct contact in claims as well by harnessing digital technology.

Launching coverage to include theft of contactless deliveries through personal accident insurance

As the use of online shopping has expanded in recent years, there has been increasing usage of delivery boxes and contactless delivery.*1 Meanwhile, many people are concerned about theft or damage to packages left outside homes, with the problem being that some sellers and shippers are not insured and theft and damage may not be covered even if they are insured. Against this backdrop, to heighten the sense of security when receiving deliveries, Sompo Japan added damage of contactless delivery packages*2 to coverage of comprehensive personal accident insurance in January 2021.

  1. Contactless delivery refers to a service in which packages are delivered without direct contact to locations such as entrances that have been designated in advance by the package recipient.
  2. For accidents in which P&C insurance claims are paid, coverage varies depending on the content of the contract.

Group Companies

Sompo Japan Insurance Inc.

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


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

Sompo Japan 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 Japan Partners Inc.

As one of Japan’s largest insurance agencies, we provide comprehensive services for the security, health and wellbeing, mainly in P&C and life insurance.

Sompo Risk Management Inc.

A company provides services such as business continuity management and planning (BCM / BCP), enterprise risk management (ERM) and cyber security.

Mysurance Inc.

As the Sompo Group's small-amount, short-term insurance company, we create new experiences and value in insurance by utilizing digital technology.

Prime Assistance Inc.

An innovative assistance company that provides the highest quality service in helping customers to resolve various inconveniences in their surrounding environment.

Sompo Warranty Inc.

We are extended warranty company that provides safe,secure and the best solutions for our customers.