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

Solutions to Identify/Prevent Risks on Natural Capital

Projects development business undertaken inside and outside Japan and business activities depended on supply chain 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 a Water Risk Assessment Service

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 Declaration Signed

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).

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 2019, our company hosted the “The Story of Biology Told by Companies” symposium for the 12th time, creating an opportunity to provide information on corporate efforts for biodiversity.
Such efforts have been highly praised, as evidenced by the mentions in the National Biodiversity Strategy of Japan 2012-2020, Guidelines for Private Sector Engagement in Biodiversity and elsewhere.

JBIB logo
JBIB logo

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.

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 14 years, starting in FY2005, we have been working with the Indonesian government to restore wildlife sanctuary forests and to regenerate 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.

Guidance on agricultural techniques
Guidance on agricultural techniques
Educational program
Educational program

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.

Environmental Efforts in Employee Cafeterias

Against the background of increasing ocean pollution and with the goals of reducing the use of plastic and educating employees on the issue of marine plastic waste, we abolished the use of plastic cups and straws in employee cafeterias in August 2018. In July 2019, we set up faucet-connected water stands and began encouraging employees to use their own bottles. As of October 2019, we will also be serving sustainable seafood.