The MS&AD Insurance Group has set Mission, Vision, and Values in order to clarify how the Group should be. Furthermore, we have accelerated initiatives based on our sustainability approach to achieve our mission.

Our Mission

To contribute to the development of a vibrant society and help secure a sound future for the planet, by enabling safety and peace of mind through the global insurance and financial services business

Our Vision

To create a world-leading insurance and financial services group that consistently pursues sustainable growth and enhances corporate value

Our Values

Customer focus, integrity, teamwork, innovation, professionalism

Perspective of Sustainability of the MS&AD Insurance Group

The MS&AD Insurance Group will create shared value and aim toward a resilient and sustainable society through corporate activities that implement "Story of Value Creation," in order to realize our Corporate Philosophy (Mission).
We will consistently strive for supreme quality that lives up to the trust and expectations upon us, and together with our stakeholders, continue to contribute to the creation of society where everyone can pursue a stable life and take on dynamic business activities, while preserving the sustainability of the global environment and society.

(Basic Policies on Corporate Governance, Chapter 2 Section 2)

Business Activities with Consideration for Sustainability

The MS&AD Insurance Group, as insurance and financial services group which provides safety and peace of mind conduct business activities with consideration for sustainability.
We aim to enhance corporate value by contributing to solutions for sustainability issues (also known as environmental, social and governance (ESG) issues) with profound understanding through stakeholder engagement.


  • Our underwriting considers issues and risks that would have a negative impact on society and the global environment. In addition, we provide products and services that respond to the demand of society.
  • Our investments consider ESG factors in pursuit of long-term returns and contribution to solutions for sustainability issues.

“Responding to Climate Change ”, “Improving Sustainability of Natural Capital“ and “Respecting Human Rights ” that require urgent actions are the Group's priorities.

【Responding to Climate Change】

  • We contribute to climate change mitigation and adaptation as climate change may bring material impacts on our lives and ecosystems and pose substantial risks to the insurance industry.
  • With new risk solutions using DX (digital transformation), we support our customers to establish and roll out innovative technologies for a decarbonized society, including things like next-generation energy, such as renewables and hydrogen, and CCUS*1 carbon recycling.
  • We will not provide insurance for, nor make investments in new coal-fired power plants.
  • We have established medium- and long-term targets for the CO2 emissions reduction from our business processes and the renewable energy usage ratio, and are working to reduce CO2 emissions.

    < CO2 Emission Reduction >

    ・Scope 1*2 , 2 *3

      FY 2030: ▲50%  (Base year :FY 2019)

      FY 2050: Net Zero

    ・Scope 3 *4

      FY 2030: ▲50%  (Base year :FY 2019) (Categories 1, 3, 5, 7, 13)

      FY 2050: Net Zero (All Categories)


   < Renewable Energy Use >     

    ・Targets for renewable energy usage ratio

      FY 2030: 60%

      FY 2050: 100%


  •  We will continue to disclose our climate change-related initiatives, in line with the TCFD framework.

 【Improving Sustainability of Natural Capital】

  • Natural capital is the foundation that supports our society and economy. As its conservation and sustainable use is essential to the economic development and prosperity of society, we take initiatives to conserve biodiversity and improve sustainability of natural capital.


【 Respecting Human Rights】

  •  As respecting human rights is the foundation of a safe society where one can enjoy peaceful lives, we conduct our business activities with respect for human rights.
  • We will not provide insurance for, nor make investments in manufacturers of cluster munitions that may cause indiscriminate mass killing.


The Board of Directors and the Sustainability Committee hold discussions on the policies, plans, and the progress initiatives for the aforementioned Business Activities with Consideration for Sustainability. We keep the highly transparent disclosure and engage in dialogue with stakeholders. Revision and /or modification may be applied when necessary.


MS&AD Insurance Group participates in the following initiatives.

  •  Paris Pledge for Action
  •  United Nations Global Compact (UNGC)
  •  United Nations Environment Programme – Finance Initiative (UNEP FI) 〔Principles for Sustainable Insurance (PSI),Natural Capital Finance Alliance (NCFA)〕
  •  Principles for Responsible Investment (PRI)
  •  Final Report of Recommendations of the Task Force on Climate-related Financial Disclosures(TCFD)
  •  Japan Climate Initiative (JCI)
  •  Principles for Finance Action towards a Sustainable Society (Principles for Financial Action for the 21st Century)
  •  Japan Business Initiative for Biodiversity (JBIB)

 *1:Carbon dioxide Capture, Utilization and Storage 

 *2:Scope 1 is for direct emissions from our group, such as gasoline from

          company-owned vehicles.

 *3:Scope 2 is for indirect emissions from the use of electricity and gas.

 *4:Indirect emissions by our group's operations other than those in Scope 2.