Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 27, 2020

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Company Details
Address: 560 Lexington Avenue, 20th Floor
City: New York
State: New York
ZIP Code: 10022
Phone Number: +1-212-446-3600 or +1-800-388-1802
Year Founded: 2008
AM Best Rating: A+ (“SUPERIOR”)
Company Rating 1 (1 review)

Things to Remember...

  • Mitsui Sumitomo Insurance was founded in 2004 as a result of the merged Sumitomo Marine & Fire Company and Mitsui Marine & Fire Insurance Company
  • Mitsui Sumitomo sells a variety of investment and asset management services
  • Mitsui Sumitomo is one of  Japan’s most significant property & casualty insurance companies
  • They do NOT sell personal lines of auto insurance

This Mitsui Sumitomo auto insurance review explores one of Japan’s most significant property & casualty insurance companies.

They do NOT offer any lines of personal auto insurance.

The firm sells multiple lines of non-life insurance products, including:

  • personal illness services
  • accident
  • shipping
  • types of business auto insurance products and services

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Mitsui Sumitomo Auto Insurance Overview

The company also offers a la carte claims services and administration. Mitsui Sumitomo sells a variety of investment and asset management services.

The company’s products include financial planning and consulting, risk management, and mutual funds. Mitsui Sumitomo offers insurance products through a network of more than 40,000 independent insurance agents and brokers around the world.

The company also maintains a proprietary group of sales agents through which it markets a variety of financial products and services in 40 plus countries.

In order to compete in a stagnant economic environment, Mitsui Sumitomo announced its plans to merge with two competitors: Aioi Insurance and Nissay Dowa General Insurance.

The merger was completed by 2010, creating an even more tightly consolidated insurance industry in Japan. CEO Toshiaki Egashira (Mitsui Sumitomo’s victorious CEO) took over the reins of the newly merged company as chairman of the board.

In 2010, the new company deployed a new strategy to enter into the Malaysian non-life insurance market. To accomplish this goal, the company bought shares of Hong Leong Financial. MS&AD simultaneously expanded operations in China in 2010.

By 2011, the firm bought half of the outstanding shares of Asuransi Jiwa Sinarmas (an Indonesian life insurance company) for approximately ¥67 billion or $825 million.

Mitsui Sumitomo Insurance was founded in 2004 as a result of the merged Sumitomo Marine & Fire Company and Mitsui Marine & Fire Insurance Company.

After 2004, the merged company continued to expand. It acquired Aviva Insurance along with insurance operations of various companies in the following countries:

  • Hong Kong
  • Malaysia
  • Indonesia
  • Thailand
  • Singapore
  • Philippines
  • Brunei

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Mitsui Sumitomo Auto Insurance Financial Information

MS&AD, Mitsui Sumitomo’s ultimate parent, is a publicly traded company in the Tokyo market (trades as 87250 on the Tokyo Stock Exchange). The company’s fiscal year ends in December.

In December 2010, the company generated an estimated $21.17 billion in annual sales.

The company generated approximately $399 million in net income that year. MS&AD employs approximately 36,800 people around the world.

Mitsui Sumitomo Auto Insurance U.S. Office Locations

Mitsui Sumitomo’s U.S. headquarters and ocean marine underwriting offices are in New York City. The company’s operating divisions are divided between East, Central, and West Zones.

In the east, the company’s operational headquarters and underwriting offices are located in Warren, New Jersey. The company’s central underwriting office is located in Cincinnati, Ohio.

The west zone ocean marine and underwriting office is located in Universal City, California.

The company’s marketing offices are located in Atlanta, Georgia; Cincinnati, Ohio; Detroit, Michigan; San Francisco, California; Los Angeles, California; and Chicago, Illinois.

Mitsui Sumitomo Auto Insurance and Personal Insurance Lines

Mitsui Sumitomo maintains a Seven Hills Insurance Agency LLC in the United States in order to assist Japanese citizens living in the United States. The company claims to value its customers and seeks to establish long-term relationships by maintaining ethical standards.

To facilitate customers’ needs, bilingual (Japanese and English) staff is available. The company offers 24-hour claims service every day of the year.

According to the company website, Mitsui Sumitomo offers competitive auto insurance rates and hopes to offer tailored solutions to clients’ needs. Above all else, the company hopes to offer responsive services to clients with integrity.

Mitsui Sumitomo offers insurance products and services in 40 states throughout the U.S., including homeowner, condo, renters, boat, scheduled personal property, and umbrella liability policies.

To serve the needs of corporate and business clients, the company offers payroll deduction services and discounted rates.

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