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.


Sales Launched of Japan's First Insurance Product for Certified Sharing Economy Business Operators "All in One Package (Certification System Compliant)" (June 2017)

Sompo Japan Nipponkoa Insurance Inc. has launched "All in One Package (Certification System Compliant)," Japan's first specialized insurance product for the sharing economy certification system, and from July 2017 it has conducted sales in collaboration with the Sharing Economy Association. Platform providers can purchase this insurance to provide comprehensive cover for liability incurred by themselves, service providers and service users. Providers who have acquired safety and reliability certification may qualify for discounts of up to 60% on premiums. By selling insurance products that eliminate anxiety over dealing with accidents or other trouble, we will contribute to the development and advancement of a safe and reliable sharing economy.

An Industry First–Launch of automobile insurance accident response services in 14 languages (May 2017)

Sompo Japan Nipponkoa launched the industry's first automobile insurance accident response service in 14 languages in May 2017. The service is intended to provide peace of mind to foreigners involved in accidents covered by automobile insurance (customers and counterparties, etc.) The increase in overseas travelers visiting Japan has been accompanied by a rise in automobile accidents involving foreign visitors. Sompo Japan Nipponkoa offers services in 14 languages for dealing with all aspects of accidents, including receiving accident reports, and subsequent settlement, negotiation, and insurance payment procedures, by making use of consecutive interpreting services provided by an interpreting service operator. The customer, interpreter, and case handler talk together, so that customers who have difficulty with Japanese can have peace of mind as Sompo Japan Nipponkoa manages the handling of the accident.

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.

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.

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).