MS&AD Insurance Group Basic Policy on Human Rights

In June 2004, the MS&AD Insurance Group proclaimed its support for the United Nations Global Compact, and is advancing the approaches for the respect of human rights as a supporting company of the Universal Declaration of Human Rights, ILO Core Labor Standards, and OECD Guidelines for Multinational Enterprises through participation in the United Nations Global Compact.

In addition, the MS&AD Insurance Group formulated the MS&AD Insurance Group Basic Policy on Human Rights in February 2017 to further fulfill its responsibilities to respect human rights. The business activities which the Policy applies to include not only those inside the MS & AD Insurance Group, but also to the business activities by the other stakeholders widely in the value chain of the Group, including suppliers related to procurement of services etc. and business partners such as agencies. The MS & AD Insurance Group is engaging with the stakeholders to prevent and mitigate adverse impacts on human rights in the businesses.

Basic Policies for Respecting Human Rights

The MS&AD Insurance Group stipulates respect for human rights in the “MS&AD Insurance Group Basic Policy on Human Rights”.

MS&AD Insurance Group Basic Policy on Human Rights


The MS&AD Insurance Group is committed to enhancing the enterprise value and contributing to the creation of a sustainable and resilient society through behavior that takes into account interaction with the environment and society in all business activities, with the aim of realizing Our Mission.
We recognize our responsibility for the actual and potential adverse impact our business activities have on human rights, including the impact of value chain. Our actions and dialogue will show respect for human rights. This Basic Policy has been adopted to prepare for this.

1. Basic Approach


(1) Compliance with laws, regulations and norms related to respect for human rights

(i) The Group respects international norms on human rights such as the United Nations International Bill of Human Rights, the corporate code of conduct in the United Nations Global Compact, and the principles concerning fundamental rights set out in the International Labour Organization Declaration on Fundamental Principles and Rights at Work.
(ii) In addition to complying with laws and regulations in countries and regions where we conduct business activities, we seek ways to respect the principles of internationally recognized human rights when these laws and regulations conflict with the principles, while considering the circumstances in such countries and regions.

(2) Non-discrimination

We respect basic human rights in all business activities, and not discriminate based on race, nationality, gender, age, ethnic origin, descent (family origin), social status, creed, religion, physical characteristics, disability, sexual orientation, gender identity or pregnancy.

(3) Corporate culture that respects human rights

(i) With “achieving mutual growth by respecting one another's individuality and opinions, and by sharing knowledge and ideas” as one of Our Values, we will foster a corporate culture that respects human rights.
(ii) We respect diverse values and engage in the creation of a friendly working environment with consideration for the mental and physical health and safety of every single employee.

2. Human Rights Due Diligence

We will create a system for human rights due diligence in accordance with the United Nations Guiding Principles on Business and Human Rights, and engage in dialogue, consultation and reporting.


(1) Assessment and prevention

We will identify and assess any actual and potential human rights risks, and take prioritized steps to prevent and mitigate them.


(2) Remedy, remediation and dialogue

If the Group causes adverse human rights impacts, we will perform appropriate remedy and remediation through appropriate procedures, and engage in the prevention of recurrence. Moreover, if it is found that we are involved in such impacts through the value chain, we will sincerely engage in dialogue.


(3) Education and Training

We will engage in a broad range of activities to raise awareness of human rights through every opportunity to ensure our officers and employees have a deeper understanding of global, country-specific or regional issues related to human rights and their involvement with our business activities and have respect for human rights.

3. Responsibilities as a Global Insurance and Financial Services Provider


(1) Protection of privacy

In light of the importance of personal information and in accordance with our Basic Policy for Management of Customer Information we will protect personal information to ensure that there is no adverse impact on human rights including privacy.


(2) Reflection in business processes

As a founding signatory to the UN Principles of Sustainable Insurance (PSI) and a signatory to the UN Principles for Responsible Investment (PRI), we will consider environmental, social and governance aspects in order to meet our responsibility to respect human rights in our insurance underwriting and investment decision-making processes.



Established, February 1, 2017

President & CEO

Yasuyoshi Karasawa


Human rights due diligence

The MS&AD Insurance Group is building a system for human rights due diligence in accordance with the United Nations Guiding Principles on Business and Human Rights, and performs due diligence on a continuous basis. We will carry out the following human rights due diligence based on the Basic Policy on Human Rights formulated in February 2017.

As part of the human rights due diligence, the MS&AD Insurance Group identified and assessed any actual and potential human rights risks according to the processes up to STEP 3. As a result, we took as priority issues the infringement of privacy arising from the leakage of personal information of customers and our employees and the physical and mental effects of employees’ long hours of work, etc.

The MS&AD Insurance Group will periodically review identification and assessment of human rights risks, and determine its priority issues reflecting changes in society and the environment that surrounds the MS&AD Insurance Group and the value chain.

Human rights assessment and remedial measures

As human rights due diligence process, we conduct human rights risk assessment, periodically monitor the two priority issues, and implement measures to mitigate the relevant risks.


Regarding personal information protection, each group company implements establishment of internal regulations, introduction of security measures, and education to employees and agencies, according to MS&AD Insurance Group Basic Policy for Management of Customer Information. To ensure thorough assessment, we regularly conduct checks and audits to agencies, outsourced vendors, and employees on the respective information management systems, and we promptly provide corrective guidance and take actions for future prevention against problems found as a result of the checks and audits.

In fiscal 2017, we conducted information management checks and audits to 61,345 agencies/outsourced vendors, and implemented corrective guidance to about 100 companies.

Regarding the health and safety of our employees, we are making a group-wide effort to reform their way of working, while continuing the existing management of their work hours on a system. In addition, we established a Speak Up System (whistleblowing system) and a counseling desk, and in fiscal 2017 after conducting employee surveys we worked to keep employees well informed about the whistleblowing system and create an environment where it is easy to use the consultation services.

Education about Human Rights

The MS&AD Insurance Group is working on raising awareness of human rights to employees to foster a "corporate culture that respects human rights" stipulated in the Basic Policy on Human Rights.

Structure of Education about Human Rights

In the MS&AD Insurance Group, the Sustainability Section of the Corporate Planning Department of the holding company plays a central role in promoting efforts to respect human rights inside and outside of Japan, in collaboration with departments in charge of overseas compliance and departments in charge of human rights awareness in the operating companies.


MSI has the following objectives:
- Achieve a company culture based on the philosophy of respecting human rights through training to increase human rights awareness.
- Develop employees who are able to act independently as members of the society who understand and recognize various human rights accurately, and who respect the human rights of others.
To achieve these, it has established a Human Rights Promotion Headquarters at the head office and a Human Rights Promotion Committee at each branch office. The Human Rights Promotion Headquarters implements initiatives related to various human rights issues, validates the feedback and opinions of employees, and plans and formulates as well as operates, implements, and manages workplace training programs for all employees.
At the same time, it works to raise awareness among members of Human Rights Promotion Committees at the workplace on the role of Promotion Committee members and the human rights promotion system, provides information and explanations about the operation of workplace training to all employees, and works toward maintaining the quality of training at all workplaces.


ADI has established "Human Rights Promotion Meeting", chaired by the director in charge of human resources, to further human rights awareness and corporate social responsibility, nurture and maintain internal culture to respect human rights, and grow employees with high respect for human rights. The Promotion Meeting deliberates employee enlightenment/training programs and execution outlines, checks execution status of training programs, and verifies improvement in human rights awareness. Furthermore, they carry out trainings for all employees and training sessions by ranks to provide employees with opportunities to access human rights issues broadly while regularly issuing a newsletter titled “Jinken-no Tobira” (Gateway to Human Rights).

Training on Human Rights

The MS&AD Insurance Group provides workplace training for all employees once a year using standardized training materials and common themes, in an effort to create a more comfortable working environment.


In addition to the above, MSI implemented workplace training "Various Human Rights Issues" seeing social issues as familiar isuues to promote mutual awareness in accordance with the principle of respecting human rights. In connection with Human Rights Week, we invited our employees to submit “Human Rights Education Slogans,” and raised awareness about having sincerely empathetic respect for human rights by expressing and sharing what employees have learned and what they feel on a daily basis. Other initiatives to develop an awareness of human rights among the employees include rank-based training--training for new employees, promoted employees, and managers--as well as creating opportunities for self-learning through e-learning.


ADI implemented workplace training for all employees carried out twice a year, and in one of them ADI provides Internet TV trainings that are common across the Group. It has received feedback from employees at many workplaces, such as, "I have learnt about mutual respect for individuals in order to prevent harassment, as well as the importance of instruction and dialogue that corresponds to the individual," and "I have become keenly aware of the importance of respecting the feelings of others as anyone can become a perpetrator." In addition, e-learning training courses were also conducted for all employees. "Human Rights Slogans" were collected, and contributed to fostering an awareness of human rights in the company. It has also continued to implement rank-based training for all general managers, newly appointed line managers, newly appointed general managers, line managers, seven year experienced employees and new employees, with the aim of creating a comfortable workplace that respects human rights.

Percentage of Human rights training implementation

Consultation service desk

The MS & AD Insurance Group has established a system to receive voices and make appropriate remedy correspondence in case of human rights violations.

Reporting System from Employees (Speak Up System)

In order to prevent violations of laws and regulations, violations of internal regulations, and inappropriate conduct from being neglected and spread, the MS&AD Insurance Group has in place a reporting and consultation system (“Speak Up System”) that employees can directly report through so the company can promptly identify the facts and take necessary measures. With this system, the Group pushes ahead with compliance with ethics, laws, and regulations.

To be more specific, the following matters are subject to the reporting system.

○Any matters related to non-compliance

○Employee mental, physical, health and other issues, caused by sexual harassment, power harassment, and other types of harassments

○Any matters related to working environment, such as work hours and overtime work


We make efforts to allow informers and consulters to readily use the system by setting up an external contact point at an outside law firm. In addition we protect the informers and consulters by paying a sufficient amount of attention to ensure the informers' and consulters’ privacy and protect their information. We also make sure the informers are not treated disadvantageously.

Harassment Consultation

At MSI, the Staff Consultation Office serves as the channel for consultation about and handling of sexual harassment, power harassment and maternity harassment (discrimination against pregnant women) cases. We have also set up a harassment hotline (harassment consulting room), and are working to create an environment where it is easy to talk about these issues. Matters are arranged so that employees who feel victimized can consult staff there with peace of mind. Based on the swift performance of fact-finding investigations, it makes corrections and punishment as the need arises. The company is also making efforts for prevention such as by holding seminars and e-learning to educate the employees about harassment prevention.


At ADI, we have a desk especially for consultation about sexual and power harassment within the Personnel Department, and have taken steps enabling the employees to use consultation service without any reluctance by placing counseling desk in an external organization. As for issues taken up, we verify the report immediately, we internally punish those involved severely. As for prevention, we post posters with consultation desk details within the workplace cautioning against power and sexual harassment, training sessions via internet TV (once a year) and e-learning (once a year) and the publication of articles on human rights are held to boost employees awareness of human rights.

Diversity promotion and Health and productivity management

The MS&AD Insurance Group Basic Policy on Human Rights stipulates that the Group shall respect diverse values and strive to create a worker-friendly environment considerate of the physical well-being and safety of individual employees. For specific initiatives, please see the website shown below.

Improvement for sound relationship with labor union

In the MS&AD group, the company and the labor union respect each other's position complying with the agreement in good faith, by engaging in effort to maintain and improve the company's democratic and healthy development, the employee's working conditions and their position.

Based on this agreement, negotiations and consultations are carried out in the context of wages, personnel systems and operations, work environment and management plan.


Labor union participation rate:93.8%