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, 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 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.


(First in Japan) Development of BCP Rider for Domestic Commercial Credit Insurance—Providing Compensation for the Late Payment of Sales Proceeds from the First Day in Arrears (December 2017)

Sompo Japan Nipponkoa Insurance Inc. has launched the sale of BCP Rider, Japan’s first rider for commercial credit insurance. With this rider, claims will be paid out not just when the counterparty falls into bankruptcy, but also when the counterparty does not pay sales proceeds by the payment deadline. This will allow creditors to avoid any cash flow problems that could be caused by the delay of payments in arrears.
Through the sale of BCP Rider, Sompo Japan Nipponkoa Insurance Inc. will support our customers to mitigate their financing risks.

New Entry into the Cyber Security Business —Newly Established Sompo Digital Lab in Israel— (November 2017)

Sompo Holdings, Inc. has decided to enter the cyber security business in order to offer customized solutions based on a full lineup of services to resolve the cyber security-related issues faced by businesses. Sompo Holdings is the first Japanese insurance company to provide such solutions.
In conjunction with this decision, Sompo Holdings established Sompo Digital Lab in Israel in November 2017, in an effort to continuously support customers with state-of-the-art technologies against ever-evolving cyberattacks. The new Sompo Digital Lab follows the establishment of Sompo Digital Lab sites in Tokyo and Silicon Valley in the United States. Both of these sites serve as bases for collecting information and seeking new partners. Looking ahead, Sompo Holdings will continue to carry out research and development activities in various fields, including life sciences as well as cyber risk.

Introduction of “AI Voice Recognition System”’ at One of Japan’s Largest Insurance Service Offices – Proprietary AI Development Using Voice Big Data

Sompo Japan Nipponkoa will introduce an “AI Voice Recognition System” at around 300 insurance service offices nationwide (around 10,000 seats) on February 1, 2018. The system will use voice recognition technology to improve quality and increase operational efficiency of insurance services.

Launch of Automobile Insurance Interpreting Service in 14 Languages as well as Sign Language

Sompo Japan Nipponkoa launched the industry's first automobile insurance accident response service in 14 languages in May 2017. The service is intended to assist foreigners involved in accidents. An increase in overseas travelers visiting Japan has been accompanied by a rise in automobile accidents involving foreign customers, so this service provides peace of mind to customers who cannot speak Japanese well as they deal with an accident. In addition, from September 2017, Sompo Japan Nipponkoa launched accident reception and initial response services in sign language for customers who have hearing or speech disabilities. The customer, the interpreter, and the representative from Sompo Japan Nipponkoa use video calls on “Line,” a free communications app, to provide more tailored services for customers with hearing or speech disabilities.

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.

Full-Scale Roll-Out of Safe Driving Support Service “DRIVING!” for Individual Drivers –Providing New Services Such as Accident Scene Call-Outs

Sompo Japan Nipponkoa operates a telematics service for individuals based on a drive recorder called “DRIVING! Living with a Car” (DRIVING!). In January 2018, we will add new services such as an accident-scene callout and provide them as riders for automobile insurance. A dedicated drive recorder with a telecommunication function fitted with a “Safe Driving Support Function” provides peace of mind while driving. After driving, it supports self-maintenance of driving technique through “Safe Driving Analysis” and “Visual Function Training.”

Introduced new “Safe Driving Discount” linked to "Portable Smiling Road" (August 2017)

Sompo Japan Nipponkoa will introduce “Safe Driving Discount,” a discount on automobile insurance depending on driving analysis results from Portable Smiling Road, a personal navigation app for smartphones. The discount applies to first-time customers and customers taking out new policies on a second or greater vehicle. (Where the first day of the policy period is January 1, 2018 or later). This is the first system in Japan for discounting insurance premiums based on driving characteristic analysis from data acquired through a smartphone. We aim to provide insurance rates that make sense to customers and further encourage safe driving.

Group Companies

Sompo Japan Nipponkoa 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.

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 Inc.

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