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.


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.


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.

[Industry First] Commencement of Sales of the Mt. Fuji Volcanic Eruption Derivative and Development of a Method for Estimating the Probability of a Future Eruption (May 2016)

Japan has beautiful landscapes, hot springs and other attractions that have been created by volcanic activity. These have become some of the country’s most unique and valuable tourism assets. Meanwhile, a succession of volcanic eruptions has been observed recently across the Japanese archipelago. This has fueled growing concerns about the tremendous losses a volcanic eruption could potentially inflict up on the business management of companies.
In response, Sompo Japan Nipponkoa Insurance has developed volcanic eruption derivatives that pay out a predetermined fixed sum in the event that volcanic eruption-related information, such as the Volcanic Alert Level announced by the Japan Meteorological Agency, meets certain requirements. The purpose of these derivatives is to allow businesses to mitigate the losses that could be incurred due to a volcanic eruption, including losses arising from a drop in earnings or from expenses such as the cost of disposing of volcanic rock and other debris. As the first such derivative, Sompo Japan Nipponkoa Insurance has commenced sales of a product that covers Mt. Fuji.
In the course of developing this product, Sompo Risk Management & Health Care Inc. developed a new method for estimating the probability of a future eruption.

Launch of On-site Anshin Support by ALSOK for Car Accidents (April 2016)

In April 2016, Saison Automobile & Fire Insurance Company, Limited, a SOMPO Group company, launched the On-site Anshin Support by ALSOK for car accidents, for all policyholders of its Otona no Jidoshahoken automobile insurance. This service is provided in collaboration with Sohgo Security Services Co., Ltd. - better known in Japan under its ALSOK logo.
On-site Anshin Support by ALSOK aims to relieve the heightened anxiety of a policyholder just after a car accident by dispatching security guards from ALSOK to their rescue. The guards keep the policyholder safe while providing him or her with advice. They also help calm the policyholder down by interceding to contact the insurance companies with the details.
Feedback from policyholders who used the service include, “It was reassuring to have the guards by my side when I was trembling from the accident,” as well as, “Just when I didn’t know what to do, the guards came to my rescue,” and, “I was feeling anxious because this was the first time I was in an accident, but they calmed me down by looking after my car.”

Launch of "Travel Insurance for Visitors" for Foreign Travelers (February 2016)

Sompo Japan Nipponkoa Insurance Inc. has developed the industry's first "Travel Insurance for Visitors" that can be taken out by travelers who have arrived in Japan without taking out travel insurance in their own countries. The product is designed to provide further safety and peace of mind to the growing number of foreign travelers visiting Japan.
The insurance is available exclusively through the Internet and covers the cost of treatment for travelers who become ill or injured while in Japan, as well as providing a full complement of services including making arrangements with medical institutions, medical interpreting, and cashless treatment. The services are available in English, Chinese, and Korean. The product was launched in February 2016.

Launch of the Safe Driving Navigation App "Portable Smiling Road" (January 2016)

Sompo Japan Nipponkoa Insurance Inc. has launched a smartphone app for individual users named "Portable Smiling Road."
Portable Smiling Road is a telematics service for individual users with a "Security" function for giving notification of an accident to us with a single button push in the unlikely event of an accident occurring, and a "Safety" function that performs a driving analysis and provides information in real time to help prevent accidents. These are provided together with a "Comfort" car navigation function.
The app makes use of the expertise in big data analysis and telematics technology that Sompo Japan Nipponkoa has acquired in the development of its corporate safe driving support service "Smiling Road," launched in March 2015. This portable version for individual users is intended to provide easy access to the service to more people.

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

"Smiling Road" Receives 2015 Nikkei Superior Products and Services Awards Nikkei Veritas Award for Excellence (January 2016)

In January 2016, "Smiling Road," a service program to facilitate safe driving for corporate customers, was awarded the 2015 Nikkei Superior Products and Services Awards Nikkei Veritas Award for Excellence. “Smiling Road” was developed by utilizing big data analysis and telematics technology, enabling corporate customers to reduce automobile accidents, facilitate safe driving, and realize a highly efficient claim settlement.

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.