The risks of modern society, such as the global outbreak of the novel coronavirus, are more diversified and more complexed with every passing day.
According to the “Global Risk Report 2020”, released by the World Economic Forum in January 2020, climate and environmental risks were ranked as the top five global high probable risks, as well as the top five influential global risks. Cyber attacks were ranked high on the list of short-term risks which were expected to increase in 2020. The sharp increase of malicious cyber attacks by taking advantage of the spread of the novel coronavirus were reported around the world. In Japan, the risk of cyber attacks was rising to an unprecedented level by the increased number of telecommuters using vulnerable home PCs and free external Wi-Fi routers.
The MS&AD Insurance Group believes that forecasting, preventing, and suitably managing new risks is essential for stable livelihoods and dynamic business activities, and we will provide products/services that address these concerns as well as products/services that satisfy diversifying customer needs. Through examination and research in support of innovation, we will do our part in realizing a sustainable society and economic development.

Providing Information and Conducting Research and Studies on Diverse Risks

We offer information, research, and studies that are effective for identifying and assessing risks, including surveys on continuously evolving technologies and environment as well as research on the utilization of Big Data.

<Representative Initiatives>

Joint research and development of cyber diagnostic services

We commenced a joint research and development with Lucideus Inc. on a simplified, low-cost cyber security-analysis for small- and medium-sized businesses which have difficulty to allocate budget for identifying and diagnosing their cybersecurity risks

Collaborations with startups

We aim to provide innovative insurance products, services and know-how through research and operation test of new services by collaborating with world-leading startups in the fields of insurance tech, AI, and cyber security

Joint research with universities

Implementing efforts and support for the development and commercialization of advanced technologies through industrial-academic partnership agreements with universities engaged in cutting-edge surveys and research useful to the next generation

Offering of risk information/reports

We support companies to be well equipped for various risks by providing reports on latest practical information of risk management and lessons from other company risk management practices

Providing solutions to risks

With the progress of technological development, the impacts of climate change, aging population, and changes in the environment have diversified the risks we face. To prepare for new risks, risk assessment through reliable risk models and risk control based on the results is critical. Through consulting done by MS&AD InterRisk Research & Consulting, which is capable of advanced investigation and research functions as well as practical consulting, our Group provides risk preparation solutions.

List of consulting services offered by MS&AD InterRisk Research & Consulting

Compliance, internal control Risk management D&O risks, legal risks, CS, and complaints
Product safety, food safety Enterprise Risk Management (ERM) Data security, data privacy
BCP, BCM (Business Continuity Management) Risks in welfare and medicine Measures against new strains of influenza
Sustainability Natural Catastropfe Due diligence for real estate
Fires, explosions Risk of theft Personnel and organizational risks
Occupational health and safety Transportation risks

Provision of Goods/Services that Meet Risks

We offer products/services to cope with the changing customer needs due to diversifying risks and changes in the social environments.

<Principal Products/Services>

Responses to cyber risks

・Group companies unfalteringly collaborate in the area of cyber risks to offer comprehensive services
・Service provided by MS&AD InterRisk Research & Consulting completes the MS&AD’s one-stop service to help clients establish a Three Lines of Defense model as a risk governance system

Comprehensive Telecommuting Compensation Plan

Offering compensation for various kinds of risks for companies promoting telecommuting which widely covers liability for information leakage (due to cyber attacks and liability, caused by labor management of employee)


Launch of the “Comprehensive Telecommuting Compensation Plan” (Japanese only)

Comprehensive Compensation Insurance for Mobile Application-based Payment Service Providers

Offering of compensation for damages caused by unauthorized third-party access through a mobile application based payment service from September 2019


Launch of the “Comprehensive Compensation Insurance for Mobile Application-based Payment Service Providers” (Japanese only)

RisTech based supplier data analysis service

In May 2019, we commenced a new service of big data analysis to visualize and optimize the risks that clients are exposed and to help solve problems


MSI and Accenture launch new “RisTech” (“Risk” x “Technology”) service (Japanese only)

Global Digital Hubs Opened

Our Group opened global digital hubs in Tokyo and Singapore to promote digitalization globally. The Tokyo hub was opened in April 2019 to encourage employees and agents to make greater use of digital technologies, while the Singapore hub was opened in February 2019 to support digital business approaches in various ASEAN countries.


MS Digital Academy Established

In July 2018, our Group joined with Toyo University’s Faculty of Information Networking for Innovation and Design (INIAD) to open the MS Digital Academy, a specialized training program, in order to foster industry-ready digital business creators and data scientists. Utilizing both the hardware and software resources of INIAD, we are looking to create opportunities that enable employees to acquire proficient skills in specialized knowledge and technologies.

Establishment of “MS&AD Digital College from Kyoto”

In July 2020, we established an online training program, the “MS&AD Digital College from Kyoto” in cooperation with Kyoto University of Advanced Science. The program is planned to support human capital to grow to create a data driven new business model and to develop innovative products and services by supplying lectures on how to apply and utilize new technology and big data.