MS&AD Insurance Group Holdings, Inc. is a leading global insurance and risk management firm headquartered in Tokyo, Japan. Established in 2010 through the merger of Mitsui Sumitomo Insurance Company, Aioi Insurance Company, and Nissay Dowa Insurance Company, the group has rapidly evolved into one of Japan’s largest property and casualty insurance providers. Over the years, MS&AD has integrated diverse actuarial expertise and underwriting processes to serve a broad spectrum of clients, including individuals, small businesses, and large multinational corporations.
The company operates primarily across two core business segments: property and casualty (P&C) insurance and life insurance. Its P&C offerings encompass automobile, marine, aviation, casualty, fire and engineering insurance, as well as specialty lines such as financial and professional indemnity coverage. In the life insurance arena, MS&AD provides individual and group life policies, annuities, and health insurance products designed to address the evolving needs of aging populations and corporate benefit schemes. Beyond traditional underwriting, the group also offers comprehensive risk consulting, claims adjustment, and loss prevention services to enhance client resilience against natural disasters and man-made perils.
With a global footprint spanning Asia, Europe, North America and Oceania, MS&AD serves more than 100 markets through a network of subsidiaries and joint ventures. In Asia, it maintains significant operations in China, Thailand, and Vietnam, while in Europe it holds stakes in leading reinsurers and brokers. The group’s North American presence includes specialty and reinsurance businesses in the United States and Canada. This diversified geographic reach complements its strong domestic base, helping to balance regional exposures and capture growth opportunities in emerging markets.
Under the leadership of President and Group CEO Hironori Kanaya, MS&AD has pursued a strategy of digital transformation and sustainable development. The company has invested in advanced data analytics, telematics, and cyber risk platforms to modernize its underwriting processes and enhance customer engagement. Committed to environmental, social and governance (ESG) principles, MS&AD has also launched initiatives to reduce its carbon footprint, support community resilience and foster inclusive growth. Through this blend of innovation, global scale and prudent risk management, the group aims to maintain its competitive edge in the evolving insurance landscape.
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