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 realizing the safety and security of people’s livelihoods.
The “resilient community development,” which MS&AD Holdings 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 and reduction, providing products and services that lessen and reduce damage from disasters, and promoting initiatives to support rapid recovery in the event a disaster does 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. As such, we are working with local governments and stakeholders to revitalize local communities to promote resilient community development by implementing industrial promotion measures tailored to local requirements and by supporting risk management that helps create disaster-resilient communities with natural capital.

Disaster Prevention and Reduction

[Research and Results through Industry-Government-Academia Collaboration]

In order to build a sustainable society, we are conducting joint research with government agencies and universities on preventing and mitigating the risk of disaster, providing new services as a result of this research.

Real-time loss prediction website,

Publicly available website, conceived from industry-academia joint research by Aon Group Japan and Yokohama National University, can predict the potential number of buildings damaged by typhoon, heavy rain, or earthquake. The website can be accessed from any device, computer or smartphone, 24 hours a day, 365 days a year. It provides forecasts for each municipality of the potential number of buildings damaged and the rate of damage caused prior to typhoon (up to 7 days before landfall), and immediately after heavy rain or earthquake strikes. The website can also display flood and landslide hazard maps as well as information on warning levels (equivalent to 3, 4, 5), evacuation areas and shelters nationwide.
In August 2020, the cmap website function which sends out emergency information in the event of a disaster was released as an app.
And in June 2021, a function was added to display social media information analyzed by AI on cmap.


Real-time loss prediction website, Japanese only)

App release and addition of new features on real-time loss prediction website, Japanese only)

Aioi Nissay Dowa insurance and JX Press Corporation start co-creation initiative to develop new disaster prevention solutions(in Japanese only)

Evacuation information added to real-time loss prediction website, Japanese only)

Natural disaster damage estimation system

Mitsui Sumitomo Insurance, MS&AD InterRisk Research & Consulting, and the National Research Institute for Earth Science and Disaster Resilience have developed a natural disaster damage estimation system (for earthquakes and floods) that accurately estimates damage in the event of a disaster using non-life insurance data and machine learning.


Developed natural disaster damage estimation system using non-life insurance data and machine learning(in Japanese only)

[Weather Information Alert Service]

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

・Customers can use an exclusive website to access at any time weather information and 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 predetermined values or when lightning strikes have been observed within a predetermined distance from monitored locations.

[Preparing Against Natural Disasters]

In response to growing customer interest in flood and earthquake compensation due to the more frequent occurrence of natural disasters in recent years, we are now proposing “preparing” against natural disasters. The aim is to encourage customers to review and prepare for their own risks by explaining the risks of flooding and earthquakes. Additionally, in the event of a disaster, it may not be possible to contact a customer due to evacuation to a shelter, or collapse of/damage to their home, etc., and so we are also calling for the use of Internet services to secure a means of communication between customers and agents. We are promoting initiatives to remind customers of the importance of “being prepared” not only after, but also before a disaster occurs.


[Useful Smartphone Apps in Times of Disaster]

We provide smartphone apps for use during disasters and are endeavoring to help our users ensure their safety and security when large-scale natural disasters strike.
Apps are provided for anyone to use free of charge, with real-time push notifications of disaster prevention information, such as weather information and evacuation instructions, and functions that support prompt information gathering.

[Providing Services for Assessment and Analysis of Catastrophe Risks]

As natural disasters continue to increase in frequency, it has become an important management issue for companies to prepare for such emergencies. We support resilient business activities by providing services to assess and analyze the risks of various natural disasters.

<Principal Approaches>

Natural disaster hazard information survey

We comprehensively collect and organize hazard information on earthquakes, wind and water disasters, volcanic eruptions, lightning strikes, snow accumulation, and more, identifying location risks for companies and other organizations.

Flood disaster countermeasure support service

(1) Assessing inundation risks by identifying locations with a high risk of inundation based on hazard maps
(2) Simulations to evaluate inundation conditions in the vicinity of target sites with a fine mesh
(3) Training simulated for before and past wind and water disasters hit.
(4) Comprehensive support consisting of advice and training on identifying dangerous areas through on-site checks to make countermeasures

Sediment-related disaster risk diagnosis

Simulations of slope failures at individual sites based on largest recorded and potential largest rainfall scenarios are used for risk assessments

Wind disaster risk diagnosis

Report that is suit for studying measures for building parts and outdoor equipment that should be carried out on a daily basis to reduce damage caused by strong winds with visualized wind load and wind flow on the building during strong winds, taking into consideration the surrounding terrain with 3D model by 3D CAD based on drawings and exterior photographs.

Collective confirmation system for flood disaster risk information

Providing a website that enables automatic judgments on the timing of various responses and decisions (warning stage judgments) by acquiring various types of information related to water disasters at multiple sites collectively and in real time.

Assisting in Swift Post-disaster Recovery

Amid a series of large-scale disasters, the Group is working to support disaster victims by swiftly carrying out damage investigations and paying out insurance claims. The Group is also accelerating digital transformation and striving to pay insurance claims promptly.

<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 assess the degree of damage.

Advanced digital technology accelerates disbursement of claims payments for large-scale flooding

Fluid simulation technology using drones and AI allows us to quickly and accurately estimate the inundation height in affected areas.
From June 2021, we began using AeroSense’s vertical takeoff and landing fixed wing drone (Aerobo Wing) which, compared to conventional drones, can fly and take images for a long time in a single flight, thereby strengthening our damage survey.


Started water damage investigations using fixed-wing drones and AI (in Japanese only)

Operational automation with software robots

By using robotic process automation for registering accident claims 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 work, such as customer service and damage surveys during large-scale disasters.

Off-site damage survey caused by natural disaster.

We have started carrying out damage investigations remotely with appraisers working by video connection. With the pandemic people are required more than ever to avoid situations such as closed spaces, crowded places, and close-contact settings. This survey conducted remotely can minimize the risk of infection with customers and employees


New natural disaster response system to prevent spread of COVID-19 (AD) (in Japanese only)

[Donations in Response to Disasters]

In order to rebuild the lives of policyholders affected by a disaster as quickly as possible, we made initiatives to pay insurance claims promptly to customers. We also collect donations from employees of Group companies to support victims of disasters applicable to the Disaster Relief Act in Japan and major disasters overseas.
Utilizing our Disaster Relief Donation Matching Gift Program, in which we make additional donations in response to donations from employees, a total of approximately 750 million yen, including company contributions, has been donated since the system was established in 2004.
This system is originally designed for natural disasters, but we utilized it in fiscal 2020 in pandemic and made donations in view of the enormous damage.

<Total Group-wide Disaster Relief Donations>

Revitalizing Regions by Finalizing Collaboration Agreements

We are assisting in regional revitalization initiatives through agreements with partners that include prefectural and municipal governments, local commercial/industry groups and financial institutions. The Group has entered into 461 such agreements (MS and AD together), providing support for various risks and consulting services for regional revitalization. The Group is working to create common value with society (CSV) by addressing social issues faced by local communities through our strengths in cooperating with local stakeholders.

<Principal Approaches>

Providing support for SDGs initiatives

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


Promoting the Online SDGs Platform initiative(in Japanese only)

Providing business continuity plans (BCP)

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

Coverage for cattle veterinary fees

In cooperation with Japan’s public agricultural insurance scheme, MS&AD has developed an insurance policy for livestock veterinary fees that public insurance doesn’t cover. By providing this insurance in a package with IoT sensors attached to the cows, cattle mortality rates can be reduced which helps to stabilize farmers’ business and public agricultural insurance system. It also improves the working environment for veterinarians.

Regional revitalization support site

Website for local governments to support regional revitalization disseminating information of initiatives by municipality and useful information for local governments.

Helping to solve problems in remote island areas

We participate in demonstration tests aimed at solving issues in remote island areas such as mobility, logistics, and medical care due to population decline and aging. These tests contribute to the creation of a sustainable environment and the revitalization of remote island areas.


Joint promotion of new logistics services in remote island areas using drones(in Japanese only)

Participated in the Awashima Smart Island Promotion Council, a demonstration survey project in Mitoyo City, Kagawa Prefecture(in Japanese only)

World first! Concluded sponsorship agreement with Kamomeya to setup drone logistics fixed-routes in remote island areas(in Japanese only)

Response to COVID-19

In addition to reviewing the conventional scope of our insurance coverage, we are providing various products and services responding to the coronavirus in light of various social changes that are likely to arise with a new way of life during and after the pandemic. We are also carrying out social contribution activities and making donations through employee and company contributions. We will contribute to the realization of a sustainable society.

Support to formulate a BCP in preparation for infectious disease risk

We have developed and started providing an Infectious Disease BCP (Business Continuity Plan) Creation Support Tool for small and medium-sized businesses. We also provide lecturers to do workshops on creating a BCP and individual consultations on infectious disease BCP.

Donations of support funds for measures against COVID-19

13,992,000 yen donation support measures against COVID-19, including company contributions and employees’ donation through the disaster relief donation matching gift program.

Provided venues for COVID-19 vaccinations free of charge

The Century Hall (capacity of up to about 300 people) adjacent to Aioi Nissay Dowa Insurance’s head office was made available to Shibuya Ward free of charge so that Covid vaccinations could be administered quickly and efficiently.

External Evaluation