Mitsui Sumitomo Insurance Co., Ltd. (MS&AD Insurance Group Holdings (Japan))
Cyber Risk Insurance (Mitsui Sumitomo)
by Mitsui Sumitomo Insurance Co., Ltd.
B2BADirect—Broker onlyDomestic onlyJapanese
Last updated 07.05.2026
Product Details§ 01
Max Insurance Limit
Up to ¥100M damages indemnity.
Up to ¥10M profit damages
Min Premium / Revenue
Up to ¥1B in revenue.
Manufacturing: ¥60K to ¥339K.
Retail: ¥60K to ¥407K.
IT: ¥61K to ¥1.8M
Market Focus
SME, Mid-market, Large
AM Best Rating
A (Excellent) – AM Best
MGA / Direct
No – Direct insurer.
Policy Language
Japanese
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Domestic only.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- Mitsui Sumitomo: Japan's #2 non-life insurer (part of MS&AD; ~¥3.1T combined NLP with Aioi Nissay Dowa 2024).
- Domestic Japanese cyber insurance; bundles IR retainers with specialist firms.
- Coverage: cyber attack response, data breach, BI loss, ransomware, legal costs, data protection compliance.
- Aioi Nissay Dowa (MS&AD sub) acquired cyber risk analytics firm Sep 2023 — strengthening underwriting.
Limitations
- Japan domestic product.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
Via policy documentation.
Broker Contact