Weather damage from heavy rains, flooding, cyclones, and other disasters has intensified due to climate change, thus making it urgent that steps are taken to reduce the number of people killed or injured in these disasters and to lessen the economic losses.
Forecasting the risks of potential disasters and preparing communities for their contingencies is of great significance in ensuring the safety and security of people’s livelihoods.
The “resilient community development,” for which the MS&AD Insurance Group is aiming for, entails realizing sustainable residential spaces that are safe and able to recover from disasters. To that end, we are conducting studies and research on disaster prevention/mitigation, providing products/services that lessen disaster damage, and endeavoring to support rapid recovery from any disasters that do occur.
Furthermore, revitalizing local communities is also important for creating communities capable of coping with disasters. Declining vitality among local communities is leading to a number of issues, among them a shortage of social services due to depopulation. Regional revitalization is a key governmental policy, and we will be working on revitalizing local communities and developing communities resilient to disasters by working with local governments and stakeholders by implementing industrial promotion measures tailored to the local requirements and supporting risk management that helps to create disaster-resilient communities.

Preventing/Mitigating Disasters

[National Conference for Promoting Disaster Risk Reduction 2018]

We participated and conducted a session at the “National Conference for Promoting Disaster Risk Reduction 2018: Preparing for Large-Scale Disasters – Strengthening Collaboration Networks in Communities” hosted by the Cabinet Office and other offices.
This conference enabled a broad range of people from families to experts to learn about disaster prevention. Our Group held sessions combining presentations and panel discussions on the concept of, and approaches to, “green resilience” which links the bounties of nature with disaster prevention/regional revitalization. The idea of making disaster prevention the linchpin to regional revitalization was a novel one and local government officials, university researchers, and other participants commented on its usefulness.

[Weather Information Alert Service]

In collaboration with Weather News Co., Ltd., the largest weather information company in Japan, we provide corporate fire insurance (Property Master, Business Keeper), construction insurance (Construction All-in, Civil Engineering All-in), or transport insurance (Full Line, Support One) policyholders the following services for free:

  • Customers can use an exclusive website to access at any time weather information/forecasts for up to five preset locations
  • Customers can select locations that are to be monitored and alert e-mail messages are sent out to customer-stipulated e-mail addresses when, for instance, rainfall, wind speed or snowfall forecasts exceed pre-determined values or when lightning strikes have been observed within a pre-determined distance from monitored locations.

[Preparing Against Flooding/Earthquakes]

In response to rising interest among customers for flooding/earthquake coverage against a backdrop of repeated disasters, we have been running a Flooding/Earthquake Preparation Proposal Campaign. The campaign calls on agents to explain flooding and earthquake risks to customers with the aim of having their customers review the details of their existing coverage and prepare against said contingencies. We are also encouraging the use of Internet services to ensure a communication channel between customers and agents, and making proposals to help customers prepare during ordinary times, through means such as presenting hazard maps and urging customers to confirm suitable evacuation routes.


Flyer highlighting need for coverage
Flyer highlighting need for coverage
Providing information on disaster prevention/mitigation
Providing information on disaster prevention/mitigation

[Useful Smartphone Applications for Disaster Strikes]

We provide smartphone services for use during disasters and are endeavoring to help our users ensure their safety and security when large-scale natural disasters strike.

Assisting in Swift Post-disaster Recovery

Against the backdrop of large-scale disasters occurring one after the other, our Group has rapidly conducted damage investigations, paid out insurance claims, and taken other steps to provide relief to disaster victims. We have also introduced a variety of new technologies to accelerate payments of insurance money.

<Principal Approaches>

Damage surveys utilizing drones (unmanned aerial vehicles)

In conducting damage surveys in areas inaccessible by road due to flooding or landslides or of solar panels spread out over an extensive area, we analyze aerial images taken by drones to quickly grasp the degree of damage.


Full-scale damage surveys using drones started (Japanese only)

Real-time damage surveys using smartphones

We use video chat and view-sharing systems to rapidly confirm damage and pay out insurance money by transmitting real-time videos and still images to property loss assessors and technical adjusters (employees responsible for investigating property accidents)


Introduced a nationwide view-sharing system to enable real-time damage surveys utilizing smartphones (Japanese only)

Operational automation by software robots

By introducing RPA (Robotic Process Automation) for registering accident claim information received via a dedicated website and automating the simple administrative tasks, we have developed a system that allows us to assign more personnel to higher value-added operations such as customer service and damage surveys during large-scale disasters

[Donations in Response to Disasters]

We are soliciting donations to help out victims of disasters in Japan, to whom the Disaster Relief Act applies, as well as of large-scale disasters overseas. We also run a Disaster Relief Donation Matching Gift Program under which we supplement contributions made by Group company employees.

<Group-wide Donations in Response to Disasters>

Revitalizing Regions by Finalizing Collaboration Agreements

We are assisting in regional revitalization efforts through agreements with partners that include prefectural, city, town, and village governments, local commercial/industry groups and financial institutions. In total, the Group has concluded 453 of such agreements, in accordance with which the Group has been offering consultations to assist in addressing various risks and promoting regional revitalization. We are also involved in the creation of shared value (CSV) with society by leveraging our strengths in cooperation with local stakeholders to resolve the social issues faced by the communities.

<Principal Approaches>

Providing support menus for SDGs efforts

We support SDGs initiatives by local governments, commercial/industrial groups, regional financial institutions, and small/medium-size companies

Providing business continuity plans (BCP)

We hold seminars and other events to help companies formulate BCP that will allow them to quickly restore and continue their businesses even when natural disasters or unexpected accidents occur

Developing/providing cattle coverage for beef cattle ranches

We are developing/providing injury insurance that offers compensation for losses stemming from the death during transport of beef cattle after being fattened for 20 months or even more. A key business issue for beef cattle ranchers

Developing/proposing “Japanese Sake Manufacturer Insurance”

We are developing/providing insurance designed specifically for Japanese sake manufacturers that offers comprehensive coverage in a single insurance policy for risks inherent to the manufacturing/sale processes for Japanese sake, which has been gaining in popularity overseas as a feature of Japanese culinary culture

Contributing to the realization of “an inclusive society” for regional revitalization

We support efforts to bring about regional inclusive communities whose members respect each other’s personality and individuality by using the know-how we have gained through organizing sports events for people with disabilities, etc., and by collaborating with local governments nationwide (hosting universal manner seminars, engaging in activities to support sports for people with disabilities)

External Evaluation