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.


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.

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.

Launch of Online Flaming (Enjo) Countermeasures Package (December 2016)

On December 1, 2016 Sompo Japan Nipponkoa Insurance Inc. commenced sales of an Online Flaming (Enjo) Countermeasures Package featuring Internet surveillance services combined with emergency response capabilities. The service is offered in partnership with Sompo Risk Management & Health Care Inc., which provides risk management and healthcare solutions and services, and Eltes Co., Ltd., which provides specialized risk detection solutions based on big data analysis. With the widespread use of social media, individuals are now able to disseminate information more effectively and have access to a wider range of information dissemination methods. This has led to an ongoing increase in the number of online flaming (enjo) incidents. In response, Sompo Japan Nipponkoa Insurance, along with Sompo Risk Management & Health Care and Eltes, will provide this service package to help companies implement countermeasures against online flaming (enjo).

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.

Use of Drones Expanded to Facilitate Promp Payment of Insurance Claims (July 2016)

Sompo Japan Nipponkoa Insurance Inc. has been using drones to aid in traffic accident claims investigations since March 2015.
These drones are used for many different purposes besides capturing video and images from above the scene of a traffic accident. For example, the drones are used to acquire 3D data from the accident scene. As a result, the company can now capture effective footage from viewpoints that were previously difficult to attain, as well as re-create accidents using highly precise 3D imagery and more. Therefore, the objectivity and persuasiveness of the company’s claims investigation data have increased tremendously, helping to expedite the claims resolution process.
Moreover, in July 2016 Sompo Japan Nipponkoa Insurance obtained approval of a permit to fly drones covering all of Japan from the Ministry of Land, Infrastructure, Transport and Tourism. With this step, the company has begun assisting municipalities, companies and other parties with the use of drones for disaster readiness and other purposes on a trial basis. For example, at the request of Kumamoto Prefecture, the company provided support by using its drones to search for missing persons following the Kumamoto Earthquake.
Looking ahead, Sompo Japan Nipponkoa Insurance will continue to proactively undertake social contribution and related activities using cutting-edge technologies in tandem with giving top priority to safety.

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).