Our lifestyles and economic activities are made possible thanks to the bounties of nature (ecosystem services) which rely on a stock of natural capital. "Resilient and Sustainable Society" can only come about if its foundations are rooted in the global environment in through natural capital and stable weather systems and other factors. The sustainability of society as a whole including companies depends on business models that integrate the sustainability of natural capital. The MS&AD Insurance Group is working to ensure sustainable relationship between natural capital and business activities.

Identify and inform on risks

Prevent risks from occurring/minimize the impact

Reduce the economic burden

Assessing risks, including the depletion/degradation of natural capital

(Analysis examples)

・Future risk of water depletion at business facilities that use large volumes of water

・Assessment of the sustainability of supply chains which primarily depends on natural resources

Proposals on risk management measures based on research/analysis findings

(Proposal example)

・Consultation on land use that considers local ecosystems

Provision of risk coverage

(Coverage example)

・Expenses incurred during recall when a sustainability certification of the used materials is revoked and expenses needed for apology

Providing Solutions and Products

Project businesses undertaken both inside and outside Japan, as well as global supply chains have the potential to cause major losses to natural capital. It is thus important to analyze/assess the impact of business activities on natural capital and to take the steps necessary to establish a sustainable relationship between the two.

Risk Assessment Service for Natural Capital

We quantitatively assess the impact of project development business in Japan and overseas on natural capital. Focusing on business locations and project development in Japan and overseas, we support specific risk assessment that ascertains the value of the surrounding natural capital and determines where and what kind of impact natural capital is being impacted in the supply chains, and apply this information to its business decisions. We support efforts to adopt “natural capital accounting” that highlights the connections between natural capital and the business as a whole.

Provision of Simplified Evaluations of Water-related Risks

An increasing number of areas worldwide are experiencing depletion of their water resources due to climate change, population increases in developing countries, economic development and other factors. In some cases, this depletion has been serious enough to threaten companies’ operations. Companies now need to identify and disclose their own water risks. We offer services for assessing the water risks (depletion, contamination, flooding/droughts, etc.) business locations face inside and outside Japan.

Environmental Supply Chain Consulting

Establishing a sustainable raw material procurement network is a key business challenge in realizing sustainable business activities. We conduct environmental business risk analyses of raw material procurement tailored to specific industry sectors, and support approach prioritization and the formulation of supply chain management activities.

Biodiversity-conscious Land-use Consulting

A growing number of companies which see efforts to conserve biodiversity as both risks and opportunities for their businesses have begun to take biodiversity into account in determining their businesses’ land use. We offer comprehensive support ranging from research/analysis to the formulation of development/activity plans for the use of offices, apartment buildings, and other land with green spaces.

Preserving Conserving Biodiversity through Partnerships and Industry-Academia Collaboration

Our lifestyles and economic activities are made possible thanks to the bounties of nature (ecosystem services), underpinned by a biodiversity conserved natural capital. The sustainability of society as a whole including companies depends on business models that consider biodiversity. Our Group has made biodiversity conservation one of key issues in MS&AD Insurance Group Basic Policy on the Environment and is pursuing measures accordingly.

Natural Capital Finance Alliance

In July 2016 our Group signed the Natural Capital Declaration, which calls on financial institutions to incorporate the concept of “natural capital” into their financial products and services, and we have been taking part in the Natural Capital Finance Alliance (NCFA).

Participation in Research on Ecosystem Disaster Prevention/Mitigation and Multifaceted Uses of Ecosystems

MS&AD Holdings is participating in "Research and Social Implementation of Ecosystem-based Disaster Risk Reduction (Eco-DRR) as Climate Change Adaptation in Shrinking Societies", a research project being conducted by Research Institute for Humanity and Nature, an inter-university research institute corporation under the Ministry of Education, Culture, Sports, Science and Technology that is engaged in comprehensive research on the global environment. The project focuses on methods for utilizing the wide-ranging functions of ecosystems to prevent/mitigate disasters (Eco-DRR) and, with population decline being seen as an opportunity to revamp land use, research is being carried out to create local communities that can both enjoy the rich blessings of nature and prevent/mitigate disasters.

On December 4th, 2019, as a part of the research activity, we hosted the “Eco-DRR x Finance and Insurance, Learnt from advanced case studies towards naturally rich and resilient society” symposium and introduced two practices; insurance for coral reef in Mexico and bond for resilient forest in the United States at the symposium. For further details of the symposium, please visit the link below.

In November 2019, Mitsui Sumitomo Insurance concluded a partnership agreement with Kumamoto City, and has been working on projects for local economy vitalization and disaster prevention by utilizing regional nature, including the creation of the “green resilience potential map,” which is a tool to integrate, share, and analyze various regional data such as hazard information obtained through GIS ( Geographic Information System ).

Japan Business Initiative for Biodiversity (JBIB) and “The Story of Biodiversity Told by Companies”

In regards to conservation of biodiversity and sustainable use of biological resources, MS&AD Holdings has been serving as the chair company of the Japan Business Initiative for Biodiversity (JBIB), which brings companies together for joint research projects on biodiversity, since JBIB’s founding in April 2008.
In February 2021, we hosted the “The Story of Biology Told by Companies” symposium for the 14th time, creating an opportunity to provide information on corporate efforts for biodiversity.

JBIB logo
JBIB logo

Environmental Conservation Efforts within the Group

We are actively engaged in internal education to the Group employees as well as our own environmental conservation efforts.

Support for the Regeneration of Forests and Formation of Sustainable Local Communities (Indonesia)

Over the past 15 years, starting in FY2005, we have been working with the Indonesian government to restore wildlife reserve forests and to recover tropical forests in the Special Region of Yogyakarta on Java Island. We have also been endeavoring to stimulate the local economy by, for instance, planting trees to revive degraded forests, and to form sustainable local communities, maintaining/managing protected forests and pursuing cooperative forestation efforts with local residents by offering them technical guidance on planting and cultivating trees.

Nursery-trees being received by participants of resident cooperative planting
Nursery-trees being received by participants of resident cooperative planting
Environmental education by a professor of Gadjah Mada University
Environmental education by a professor of Gadjah Mada University

MS&AD Ramsar Supporters

Activities in Yatsu tidal flat (Chiba Prefecture)
Activities in Yatsu tidal flat (Chiba Prefecture)

Group employees and their family members have been involved since FY2010 in the environmental conservation efforts of wetlands, including those that have been registered under the Ramsar Convention. We also offer visiting lectures to schools to communicate the rich biodiversity of wetlands to the students.

Mitsui Sumitomo Insurance Surugadai Green Spaces

The Surugadai Building and the Surugadai New Annex are highly regarded for their green spaces that reflect our consideration for biodiversity. On the grounds, there is "ECOM Surugadai", an open facility to the community, where activities such as communication of environmental information and workshops.

Efforts to Reduce Plastic Use

Eco-bag distributed within the company
Eco-bag distributed within the company

As marine pollution becomes serious, Mitsui Sumitomo Insurance has stopped using plastic cups and straws in its employee cafeterias since August 2018 in order to reduce the use of plastic and educate employees regarding the problem of marine plastic waste.
In July 2019, Aioi Nissay Dowa Insurance installed water stands with direct faucets to promote the use of personal water bottles.
Furthermore, in July 2020, to reduce the use of plastic during work hours, we provided Group employees with original eco-bags as a alternative to plastic shopping bags and special stickers to promote the use of private bottle by attaching the sticker to the bottle.

Introducing Sustainable Seafood

company cafeteria
company cafeteria

In October 2019, we introduced sustainable seafood* in the cafeterias of the Surugadai Building and Surugadai Annex. Every month, a “Sustainable Seafood Day” is scheduled to provide menus using sustainable seafood. It contributes to the realization of a sustainable society by offering employees to gain experience of sustainable effort and changing in their consumption behavior through actual tasting.

(*) Sustainable seafood refers to seafood that has been certified for sustainable production (fishing and aquaculture), as well as management and traceability in the processing, distribution, and sales processes.