The Group regards environmental issues as a material theme for management. We have established a basic environmental policy to reduce the environmental impact from our business activities while applying the PDCA cycle to our initiatives.

Environmental Management

We are actively promoting environmental initiatives with the MS&AD Insurance Group’s Basic Policy on the Environment. We have formulated the MS&AD Our Earth Project which is the Group's own management system.

【MS&AD Our Earth Project】

Since acquiring ISO 14001 certification, the international standard for environmental management systems, in the first half of the 2000s, the MS & AD Group has maintained certification and promoted environmental initiatives in conjunction with its own environmental management system. At the end of March 2021, we completed ISO 14001 certification registration and integrated it into “MS&AD Our Earth Project”, a management system based on ISO 14001 requirements.


All companies in the MS & AD Group

Promotion Structure and Roles

The group is promoted by the Corporate Planning Department, including the executive in charge of the Sustainability Promotion Division. The Sustainability Promotion Division has a promotion secretariat and a promotion secretariat, which plans, sets annual targets, promotes, and manages the progress of environmental initiatives within the Group and throughout the Group. We report the setting of targets, progress, summary, etc. to the director in charge as appropriate, and use the review to improve our efforts.


The promotion secretariat holds quarterly meetings to check progress.


Environmental education is provided annually to all Group employees through e-learning. In addition, study sessions and training for directors and employees are held as appropriate to raise employee awareness.

Compliance with laws and regulations

In order to ensure compliance with environmental laws and regulations related to our business activities, we check the relevant environmental laws and regulations and check the status of compliance with environmental laws and regulations on an annual basis.

Reducing CO2 Emissions

MS&AD has signed the Paris Pledge for Action and contribute to climate change mitigation. In May 2021, we revised our medium- to long-term targets for reducing CO2 emissions to net zero by 2050 in line with the Paris Agreement "Pursuing efforts to keep global temperature increases well below 2 ℃ and pursue below 1.5 ℃ from pre-industrial levels." We have also set new targets for our use of renewable energy.

As a global insurance and financial group, the entire Group is actively working to reduce carbon emissions, including through our supply chain.

Reducing Electricity and Gasoline Consumption

By reducing business commuting and office space through business style reforms, such as remote work and telecommuting, we are reducing our business gasoline and electricity use. We will further reduce by introducing state-of-the-art energy-saving equipment in our own buildings, installing solar panels, and replacing company cars with more fuel-efficient vehicles.

Decreasing Paper Use

・We substantially reduce the environmental burden through less paper use by computerizing insurance contract and payment procedures, etc., and making electronic policy certificates, terms, and conditions accessible on the Internet.
・By implementing insurance payment procedures online with direct lines of communication with clients, we have become the first major non-life insurance company to achieve paperless in-house processes with insurance payments.

Value Chain Initiatives

Our initiatives to reduce our impact on the environment are also promoted in conjunction with key business partners. We are engaged in green purchasing, prioritizing eco-friendly products in procuring the materials used in our operations, and our entire value chain is working to establish a sustainable society.

Support for Certification under EcoAction 21

We have provided a program to obtain certification under the EcoAction 21 environmental management system advocated by the Ministry of the Environment to our agents and small and medium-sized corporate clients.

Eco-maintenance and Eco-inspection

We are promoting the dissemination of eco-maintenance and eco-vehicle inspections through Advance Club, an agent organization based around the automobile maintenance industry. Eco-friendly vehicle maintenance and inspection uses maintenance technologies primarily to clean the engine’s combustion chambers by special methods (engine cleaning) thereby reducing toxic gas emissions, improving fuel efficiency and helping to reduce CO2 emissions by reducing fuel use.

Eco-Safety Driving

We prepare and propose support tools to promote Eco-Safety Driving, an eco-friendly approach designed to reduce fuel costs and vehicle accidents.

Eco-insurance and Web policies
(MSA Life Insurance and MSP Life Insurance offer Web policies only)

We are encouraging the use of paperless insurance policies and policy terms. MSI and ADI make donations to environmental conservation activities based on the number of eco-insurance policies and Web policies provided


Green Power supporter / eco-insurance and Web policy(MSI) (in Japanese only)

Paperless insurance and Web policy(ADI) ( in Japanese only)

Web policy (MSI Aioi Life)(in Japanese only)

Web policy(MSI Primary Life)( in Japanese only)

Recycled parts

We promote the use of recycled automobile parts to repair vehicles in the event of an accident.

We offer a special endorsement that gives customers a 5% discount on vehicle insurance premiums when they opt at the time of contract to repair their vehicle in the event of an accident using recycled parts. (AD)

Environmental Conservation Initiatives within the Group

We are actively engaged in environmental conservation activities and raising awareness among employees.

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

Over the past 16 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 initiatives 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

Afforestation activities at the Aioi Nissay Dowa Insurance Forest

In August 2019, we launched a tree-planting activity called the Aioi Nissay Dowa Insurance Forest in Bihoro Town, Hokkaido, as a way of giving back for the paperless insurance / Web policies.
We are supporting the creation of forests that take biodiversity into consideration by planting broad-leaved trees in place of conifers (mainly Sakhalin firs) which are about 50 years old and ripe for cutting down.
We plan to plant trees on 10 hectares of land over the three years from 2019 to 2021.

MS&AD Ramsar Supporters

Clearing grass from the Yatsu tidal flat<br/> (Chiba Prefecture)
Clearing grass from the 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, a facility open to the community, where activities such as communication of environmental information and workshops take place.

Reducing the Use of Plastics

As marine pollution becomes an ever-increasing concern, 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 plastic waste in our oceans. In July 2019, Aioi Nissay Dowa Insurance installed water stands with direct faucets to promote the use of personal water bottles.
Furthermore, in, during work hours, we are focusing on group-wide initiatives to reduce the use of plastic. In July 2020, for example, we provided employees with original eco-bags as an alternative to plastic shopping bags and special stickers to put on bottles to encourage employees to bring in their own water bottles.

Promoting the Use of FSC-Certified Paper

Our Group has been making a switchover to FSC-Certified* paper for pamphlets and other printed material since fiscal 2010. Using paper made with lumber sourced from properly managed forests enables us to contribute to preserve biodiversity through forest protection.
*Paper manufactured from lumber sourced from properly managed forests in the interest of sustainable forest use and environmental conservation.

Sustainable Seafood

We offer sustainable seafood* in the cafeterias of our buildings, the Surugadai Building from October 2019 and Chiba New Town Center from August 2020. Every month, a Sustainable Seafood Day is scheduled to provide menus using sustainably sourced seafood. Simply by allowing employees to eat sustainable seafood and transforming their own eating habits through such initiatives, we are contributing to the realization of a sustainable society.
*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.