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CSR ESG Highlights

In striving to be a “Good Company,” Tokio Marine Group undertakes CSR focused on the core CSR themes of “Providing Safety and Security,” “Protecting the Earth” and “Supporting People” with the aim of contributing to solving a variety of issues, mainly in fields closely related to the business activities of an insurance group, and ensuring these efforts lead to an increase in corporate value. In fiscal 2016, Tokio Marine Group undertook the following initiatives and promoted community social contribution activities with the participation of all employees. In fiscal 2016, the employee participation rate (total) in community social contribution activities for Tokio Marine Group was 133.3%, exceeding our annual target of 100% for the third consecutive year.

1. Providing Safety and Security

1 Making Society Resilient to Natural Disasters

  • Efforts were made to promote industry-academia collaborative research in response to climate change and natural disasters, and research on effects of coastal forests to mitigate tsunami damage received an outstanding achievement award in the First Green Resilience Award.

2Building a Secure Society by Leveraging Traffic Technology Innovation

  • A Rider for Expenses for Saving Victims for auto insurance and Super Insurance, and Drive Agent Personal for auto insurance were developed in response to technology innovation and the latest customer needs.

3Building a Secure Society by Responding to Varying Lifestyles and Changes in Society

  • The launch of distribution of disaster-related “personalized” videos that factor in regional characteristics has served to raise disaster prevention awareness of customers.
  • The Disaster Prevention Lessons were held at schools, and the BCP workshop was conducted in collaboration with local governments and other organizations. At the Japan Resilience Award 2017, the former received the “Best Resilience Award,” while the latter and other initiatives won the “Excellent Resilience Award.”

4Eliminating Poverty in Society

  • We promoted our efforts to make society resilient to natural disasters and contributed to the promotion of disaster prevention in the world through participation in the Asia-Pacific Financial Forum (APFF) and other international initiatives.

2. Protecting the Earth

1Promoting Environmental Management

  • Efforts to reduce environmental footprint and implement environmental protection activities resulted in a reduction in CO2 emissions by 2.3% (Scope 1+2+3, YoY), a reduction of 9.1% in paper consumption (YoY) and carbon neutral status (fifth time in four consecutive years).

2Preserving Biodiversity through Products and Services

  • Implementation of the Green Gift Project, renamed and expanded as the Green Gift Planet GENKI Program in October 2016, as well as other initiatives have strengthened ties with NPOs and local communities.

3Preventing Global Warming by Promoting the Development of Clean Energy

  • The Mega-Solar Package Program and Impairment Liability Coverage for Geothermal Power Generation Operators were provided to customers.

4Building Communities for People to Live with Peace of Mind through Environmental Protection Activities

  • “Green Lessons” provided at schools have increased awareness among 51,794 children on a total of 761 occasions.

3. Supporting People

1Promoting Health and Productivity Management

  • The promotion of health and productivity management initiatives such as strengthening support for health and productivity management of client companies through the establishment of the Health and Productivity Management Task Force resulted in selection as a Health & Productivity Stock for the second consecutive year.

2Developing and Utilizing Diverse Human Resources

  • Diversity and inclusion efforts and an employment rate of 2.17% for persons with disabilities resulted in selection as a “Semi-Nadeshiko Brand” in fiscal 2016.

3Building a Society Based on Health and Longevity to Ensure Peace of Mind

  • The Company launched the Household Income Term Insurance NEO with Inability to Work Benefit Insurance Plan.

4Nurturing Generations Responsible for the Future

  • A career education program “Group Work on Managing Risks and Opportunities” was developed and implemented at three junior high schools. Support for education and childcare was also started for children whose parents died by disease through a foundation.

5Aiming to Create a Symbiotic Society

  • We started support for Japan Para-Sports Association and Japan Inclusive Football Federation so as to enable people to learn about, watch and experience sports by disabled persons, which has impacted 57 sports organizations and approximately 55,000 people.

Plans and Results of CSR Initiatives

CSR Plan within the Fiscal 2015-2017 Mid-Term Business Plan

Under the mid-term business plan “To Be a Good Company 2017 (FY2015 - FY2017),” Tokio Marine Group has set the following core CSR themes and is implementing initiatives for the three core CSR themes and strengthening CSR management.

In fiscal 2016, our initiatives generally proceeded smoothly and we attained our objectives in all activities. In working toward being a “Good Company,” in fiscal 2017 all Group employees throughout the world will continuously work to implement the three CSR core themes and strengthen CSR management as his/her own matter with the aim of raising corporate value and generating social value.

  • Core Theme 1: Providing Safety and Security
  • Core Theme 2: Protecting the Earth
  • Core Theme 3: Supporting People
  • Governance ~ Strengthening CSR Management ~

Core Theme 1: Providing Safety and Security

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2016 Activities and Numerical Targets Fiscal 2016 Results Self-Assessment Fiscal 2017 Activities and Numerical Targets
Making Society Resilient to Natural Disasters
  • Value creation by providing disaster risk solutions
  • Respond to climate change and natural disaster risk
  • Value creation by industry-academia collaborative research
  • Provide disaster and accident risk solutions
  • Promote industry-academia collaborative research and create value
  • Hold Natural Disaster Risk Seminars
  • Provided disaster- and accident-related insurance and risk consulting services; started distributing personalized videos to customers to prepare for typhoons and torrential downpours
  • Promoted climate change and natural disaster risk research with The University of Tokyo, Nagoya University, Kyoto University and Tohoku University, and research on effects of coastal forests to mitigate tsunami damage received an outstanding achievement award in the Green Resilience Award category
  • Presented research outcomes at the Asian Ministerial Conference on Disaster Risk Reduction and the First National Conference on Disaster Risk Reduction
  • Held a Natural Disaster Risk Seminar on water disaster risk (November 2016)
○
  • Provide disaster and accident risk solutions
  • Promote industry-academia collaborative research
  • Hold Natural Disaster Risk Seminars
Building a Secure Society by Leveraging Traffic Technology Innovation
  • Develop products and services that respond to technological innovation
  • Develop products and services that respond to technological innovation
  • Developed a Rider for Expenses for Saving Victims for auto insurance and Super Insurance
  • Developed Drive Agent Personal, a new service for auto insurance
○
  • Develop products and services that respond to technological innovation
Building a Secure Society by Responding to Varying Lifestyles and Changes in Society
  • Develop related products and services
  • Develop related products and services
  • Initiated sales of a new product, D&O Management Package
  • Initiated sales of Cyber Risk Insurance for corporate customers
  • Provided larger and reader-friendly leaflets for four main products (auto insurance, fire insurance, medical insurance and Super Insurance)
○
  • Develop related products and services
Eliminating Poverty in Society
  • Provide all people with access to insurance services
  • Provide insurance for low-income earners and those engaging in small-scale farming
  • Increased the prevalence of weather insurance and microinsurance in India
○
  • Provide insurance for low-income earners and those engaging in small-scale farming
Improving Quality from the Customer's Perspective
  • Value creation by quality improvement
  • Promote quality improvement initiatives
  • Implemented initiatives for Anshin Quality
○
  • Promote quality improvement initiatives
Local Community and Social Contribution Activities
  • As an indicator for measuring the state of CSR initiatives with the participation of all employees, total employee participation rate in volunteer activities: At least 100% (total participation rate regarding three core themes)
  • Continue support for recovery of the disaster-affected areas
  • Hold Disaster Prevention Lessons at schools
  • Total employee participation rate in volunteer activities: At least 100% (total participation rate regarding three core themes)
  • Continue support for recovery of the disaster-affected areas
  • Hold Disaster Prevention Lessons at schools
  • Total employee participation rate in volunteer activities: 133.1% (attained target for third consecutive year, total participation rate regarding three core themes)
  • Continued employee cafeteria menu for support for recovery of the disaster-affected areas as well as volunteer support for recovery of the disaster-affected areas
  • Held Disaster Prevention Lessons (281 times, with participation of 22,979 children and students) accumulated total as of March 31, 2017)
○
  • Total employee participation rate in volunteer activities: At least 100% (total participation rate regarding three core themes)
  • Continue support for recovery of the disaster-affected areas
  • Hold Disaster Prevention Lessons at schools

Core Theme 2: Protecting the Earth

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2016 Activities and Numerical Targets Fiscal 2016 Results Self-Assessment Fiscal 2017 Activities and Numerical Targets
Promotion of Environmental Management
  • FY2017 CO2 emissions: -3% (compared with FY2014)
  • CO2 emissions per employee: -3% (compared with FY2014)
  • Be carbon neutral
  • Promote paperless operations
  • Promote 3R
  • CO2 emissions: -1% (Scope 1+2+3, compared with FY2015)
  • CO2 emissions per employee: -1% (Scope 1+2+3, compared with FY2015)
  • Be carbon neutral
  • Paper consumption: -1% (compared with FY2015)
  • Promote paperless application procedure
  • Promote 3R/Waste emissions: -0% (compared with FY2015)
  • CO2 emissions: -2.3% (Scope 1+2+3, compared with FY2015)
  • CO2 emissions per employee: -13.2% (Scope 1+2+3, compared with FY2015)
  • Achieved carbon neutral status (fifth time in four consecutive years)
  • Paper consumption: -9.0% (compared with FY2015)
  • Promoted introduction of paperless Raku Raku Tetsuzuki online procedures using tablet in face-to-face sales
  • Promoted 3R/Waste emissions: -0.5% (compared with FY2015)
  • ○
  • CO2 emissions: -1% (Scope 1+2+3, compared with FY2016)
  • CO2 emissions per employee: -1% (Scope 1+2+3, compared with FY2016)
  • Be carbon neutral
  • Paper consumption: -1% (compared with FY2016), promote introduction of Raku Raku Tetsuzuki
  • Promote 3R/Waste emissions: -0% (compared with FY2016)
Protection of Biodiversity through Products and Services Implement Green Gift Project
  • Implement Green Gift Project
  • Preservation of biodiversity through environmental protection activities and environmental awareness-raising activities in Japan and overseas
  • Mangrove Planting Project
  • Implemented Green Gift Project and reduced paper resources by 2,950 tons
  • Conducted biodiversity protection activities in Japan in conjunction with NPOs 159 times, with a total of 12,308 people participating (accumulated total as of March 31, 2017)
  • Conducted mangrove planting (10,103 ha of forested area (accumulated total as of March 31, 2017))
  • ○
  • Green Gift
  • Protect biodiversity through environmental preservation and awareness-raising activities in Japan and overseas
  • Mangrove Planting Project
Prevention of Global Warming by Promoting Development of Clean Energy
  • Provide Mega-Solar Package Program
  • Provide TM Nippon Solar Energy Fund
  • Provide Mega-Solar Package Program
  • Provide TM Nippon Solar Energy Fund
  • Provided Mega-Solar Package Program and Impairment Liability Coverage for Geothermal Power Generation Operators
  • Provided TM Nippon Solar Energy Fund
  • ○
  • Provide Mega-Solar Package Program, etc.
  • Provide TM Nippon Solar Energy Fund
Building Communities for People to Live with Peace of Mind through Environmental Protection Activities Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes)
  • Total employee participation rate in volunteer activities: 100% (total of three core themes regarding local community and social contribution activities)
  • Hold Green Lessons at schools
  • Children’s Environmental Award
  • Marunouchi Citizens Environmental Forum
  • Total employee participation rate in volunteer activities: 133.1% (attained target for third consecutive year, total participating rate regarding three core themes)
  • Held “Green Lessons” (761 times, 51,794 children and students (accumulated total as of March 31, 2017))
  • ○
  • Total employee participation rate in volunteer activities: At least 100% (total participating rate regarding three core themes)
  • Hold “Green Lessons” at schools
  • Hold Children’s Environmental Award

Core Theme 3: Supporting People

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2016 Activities and Numerical Targets Fiscal 2016 Results Self-Assessment Fiscal 2017 Activities and Numerical Targets
Promoting Health and Productivity Management Promoting Health and Productivity Management
  • Percentage taking medical exam: Approx. 100%
  • Rate of stress test implementation: At least 90%
  • Selected as Health & Productivity Stock by strengthening support for customers’ health and productivity management through establishment of Health and Productivity Management Task Force
  • Percentage taking medical exam: 100%
  • Rate of stress test implementation: 97.5%
  • ○
  • Percentage taking medical exam: Approx. 100%
  • Rate of stress test implementation: At least 90%
Developing and Utilizing Divers Human Resources Promote diversity and inclusion
  • Promote diversity and inclusion
  • Promote employment of persons with disabilities (Includes attainment of 2.0% employment rate of persons with disabilities)
  • Promote female empowerment
  • Employment rate of persons with disabilities 2.17% (Japan, as of June 1, 2016)
  • Selected as “Semi-Nadeshiko Brand” in fiscal 2016
  • ○
  • Promote employment of persons with disabilities (Includes attainment of 2.0% employment rate of persons with disabilities)
  • Promote female empowerment
Building a Society Based on Health and Longevity to Ensure Peace of Mind
  • Corporate value by providing solutions related to health and dwindling population/aging society / Develop and provide products and services to meet dwindling population/aging society and changing population demographics
Provide living benefit related products Launched Household Income Term Insurance NEO with Inability to Work Benefit Insurance Plan (November 2016)
  • ○
Develop and provide living benefit related products
Nurturing Generations Responsible for the Future Promote youth development
  • Support to foster young swimmers
  • Support scholarship students through foundations
  • Participate in girls educational support program in developing countries
  • Provided special backing of National JOC Junior Olympic Cup Swimming Tournament
  • Provided scholarships through an NPO and supported orphans of traffic accidents and children whose parents died from disease
  • Supported female education in developing countries through international NGO “Room to Read”
  • ○
  • Continue supporting youth development, the elderly, persons with disabilities and athletes
  • Promote initiatives for children responsible for the future
Aiming to Create a Symbiotic Society Promote support of the elderly and persons with disabilities
  • Promote enrollment in courses fostering employee supporters of people with dementia
  • Support attainment of Technical Care Helper Certificate
  • Support for the Special Olympics
  • Enhance support for sports by persons with disabilities
  • Support for Japan Deafblind Association, etc
  • Enrollment in courses fostering employee supporters of persons with dementia: Approx. 4,400 employees (accumulated total as of March 31, 2017)
  • Held courses supporting attainment of Technical Care Helper Certificate
  • Provided support of Special Olympics (Tokio Marine & Nichido, Safety National)
  • Started support for sports for disabled persons by backing Japan Para-Sports Association and Japan Inclusive Football Federation so as to enable people to learn about, watch and experience sports by disabled persons
  • Supported The Japan Deafblind Association
  • ○
  • Hold courses fostering supporters of persons with dementia and courses supporting attainment of Technical Care Helper Certificate
  • Promote initiatives toward holding and the success of 2020 Tokyo Olympic and Paralympic Games
  • Support sports for disabled persons
  • Support The Japan Deafblind Association
Local Community and Social Contribution Activities Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes) Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes) Total employee participation rate in volunteer activities: 133.1% (achieved target for three consecutive years, total participation rate regarding three core themes)
  • ○
  • Total employee participation rate in volunteer activities: 100% (total participation rate regarding three core themes)
  • Hold career education program “Group Work on Managing Risks and Opportunities”

Governance~Strengthening CSR Management~

Initiative Theme Mid-Term Business Plan (Fiscal 2015-2017) Targets Fiscal 2016 Activities and Numerical Targets Fiscal 2016 Results Self-Assessment Fiscal 2017 Activities and Numerical Targets
Corporate Governance / Internal Control
  • Foster the sense of CSR in employees and enhance skills
  • Implemented CEO Recognition for CSR award
  • Implemented and selected and awarded winners of the CEO Recognition for CSR award that covers domestic and overseas Group companies
  • ○
  • Enhance Tokio Marine Group CEO Recognition for CSR award
Tokio Marine Group’s Approach to CSR
  • Strengthen CSR communication in the Group
  • Implement CSR Board, CSR Key Persons Conference, etc.
  • Implemented CSR Board (August 2016), CSR Key Persons Conference (July 2016) and strengthened CSR communication in the Group
  • ○
  • Strengthen CSR communication in the Group through the CSR Board, etc.
CSR in the Value Chain
  • Promote utilization of recycled materials
  • Promoted utilization of recycled materials
  • Percentage of recycled automobile materials used: 2.84% (Previous fiscal year: 2.83%) (Tokio Marine & Nichido)
  • ○
  • Promote the use of recycled automobile materials
  • Enhance human rights initiatives
Stakeholder Engagement
  • Enhance communication with stakeholders
  • Hold CSR Dialogue
Held CSR Dialogue (January 2017)
  • ○
  • Enhance communications with stakeholders through CSR Dialogue and other means
Overview of Group CSR Reporting
  • Expand upon CSR and nonfinancial information disclosure
  • Publish and further develop Integrated Report
  • Enhance the contents of Sustainability Report
  • Publish Integrated Annual Report 2016
  • Sustainability Report 2016 to be in accordance with G4 or referenced to G4
  • Published Integrated Annual Report 2016 (August 2016)
  • Sustainability Report 2016 in accordance with G4 Core (September 2016)
  • ○
  • Expand upon CSR and nonfinancial information disclosure
  • Enhance the ESG section of the Integrated Report 2017
  • GRI Standards conformance or references in Sustainability Report 2017

Tokio Marine & Nichido Corporate Value Index

Tokio Marine & Nichido has reevaluated the Tokio Marine & Nichido Corporate Value Index implemented since 2003. From its fiscal 2015 measurements, Tokio Marine & Nichido has made wide-ranging disclosures with the aim of “visualization of the kinds of value it can provide its principal stakeholders (customers, shareholders, investors, agents, employees and local communities).

Tokio Marine & Nichido will use this index in its CSR initiative plan formulation and provide value to all stakeholders to raise the trust of all people and society. By doing so, Tokio Marine & Nichido aims to contribute to continuously raising corporate value and to the creation of social value.

  • *1
    Automobile insurance
  • *2
    Tokio Marine Group domestic operations as of June 1, 2017
  • *3
    Non-life insurance companies that submit applications for registration as an agent acting on behalf of the relevant corporation or individual when these corporations or individuals register as a non-life insurance agent in accordance with the Insurance Business Law