MS&AD Insurance Group (OTCMKTS:MSADY) Holdings, Inc. is a Tokyo-based insurance holding company formed in 2010 through the integration of Mitsui Sumitomo Insurance Group and Aioi Nissay Dowa Insurance. Drawing on roots that extend back to the late 19th and early 20th centuries, the group has grown into one of the world’s leading property and casualty insurance providers, serving both corporate and individual clients.
The company’s core business activities encompass a broad range of insurance and risk-management products. Through its principal subsidiaries—Mitsui Sumitomo Insurance, Aioi Nissay Dowa Insurance, and MS Amlin—the group underwrites auto, marine, property, casualty and specialty lines. Complementary services include life and health insurance, reinsurance solutions, risk consulting, and asset management offerings designed to protect assets and mitigate exposures across diverse industries.
MS&AD maintains a significant global footprint with operations in Japan, Europe, the Americas and the Asia-Pacific region. Major overseas platforms include MS Amlin in the United Kingdom and Continental Europe, as well as regional offices in North America, Southeast Asia and Oceania. This international network enables the group to support multinational corporations, small and medium enterprises, and individual policyholders with locally tailored insurance and claims services.
Governed by an executive leadership team based in Tokyo and overseen by a seasoned board of directors, MS&AD pursues a strategy focused on digital transformation, diversified global growth and enhanced risk analytics. The group continues to invest in technology-driven underwriting platforms and sustainability initiatives, aiming to deliver innovative insurance solutions while strengthening its financial resilience and stakeholder value over the long term.
