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 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 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, and we are working with local governments and stakeholders to revitalize local communities and promote “resilient community development” by implementing industrial promotion measures tailored to the local requirements and supporting risk management that helps create disaster-resilient communities utilizing natural capital.

(★) link is "Japanese only"

Disaster Prevention and Reduction

[Research and results through industry-academia collaboration]

In order to build a sustainable society, we are conducting joint research with universities on disaster prevention and reduction, providing new services as a result of this research.

Real-time loss prediction website

As part of a joint research project with Aon Group Japan Co., Ltd., and Yokohama National University, in June 2019 “” was launched, the world's first*1 website providing real-time forecasts of the number of buildings damaged and the rate of damage caused by typhoons, heavy rains and earthquakes for each municipality.
Even in normal times, can simulate major typhoons, heavy rains and earthquakes that have occurred in the past and check weather information from around the world. *2
In June 2020, a new function was added to predict damage to buildings before a typhoon hits the country and make the data available in real time.
“” is widely used for disaster prevention and reduction activities by local governments and companies, and received the grand prize at the 29th Global Environment Awards

(*1) According to June 2019 research by Aioi Nissay Dowa Insurance Co., Ltd.
(*2) Website is available to the public and can be accessed 24 hours a day, 365 days a year from any device such as a PC or smartphone.


Research and results through industry-academia collaboration  [world’s first](★)

New features of the real-time loss prediction website ””(★)

Evacuation insurance

In September 2019, we began joint research with Hiroshima University with the aim of commercializing a new type of evacuation insurance that encourages early evacuation by applying the automobile telematics insurance system to disaster prevention and reduction. Targeting not only vulnerable evacuees but also companies and local governments in a comprehensive manner, our aim is to develop insurance products that promote evacuation activities


Joint research with Hiroshima University to commercialize evacuation insurance(★)

[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 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, 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 an importance to “be prepared” not only after, but also before a disaster occurs.


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

[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 against contingencies. 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 collect and organize hazard information based on comprehensive surveys on earthquakes, wind and water disasters, volcanic eruptions, lightning strikes, snow accumulation, and more, diagnosing the location risks for corporate facilities

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 Comprehensive support menu for flood risk assessment consisting of options such as flood risk surveys that identify dangerous areas and give advice on countermeasures through on-site checks

Sediment-related disaster risk diagnosis

Simulations are used for risk assessments of sediment-related disasters (debris flows, landslides, etc.) at individual sites based on “largest recorded” and “potential largest” rainfall scenarios

Sui Search

Providing a website that enables the acquisition of various types of information related to water disasters at multiple sites either “in summary” or “in real time” and the automatic determination of the timing of various responses and decisions (= alert stage judgments)

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.

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 the affected area


Start of floods damage claims handling with drones and AI(★)

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]

In order to rebuild the lives of policyholders affected by a disaster as quickly as possible, we made efforts to pay insurance claims promptly to customers.
We also collect donations from employees of Group companies to support victims of disasters applicable to 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 720 million yen, including company contributions, has been donated since the system was established in 2004.

<Total Group Company Disaster Relief Donation>

Revitalizing Regions by Finalizing Collaboration Agreements

We are assisting in regional revitalization efforts through agreements with partners that include prefectural and municipal governments, local commercial/industry groups and financial institutions. The Group has entered into 532 such agreements, providing support for various risks and consulting services for regional revitalization.

<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

Supporting local enterprises’ efforts to accomplish the SDGs through public-private partnerships (Nagano Model)

In cooperation with Nagano Prefecture, regional financial institutions, commercial and industrial organizations, universities, etc., Mitsui Sumitomo Insurance Company Ltd. supported the establishment of the prefecture’s own “Nagano SDGs Promotion Company Registration System.” This support includes disseminating and raising awareness of the registration system, providing individual support to companies navigating the registration system, holding seminars and workshops on SDGs initiatives for companies, and providing support for SDGs management.

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