• 03-6453-7521
  • info@tokyoirs.co.jp

Property and Casualty Insurance

We will provide risk mitigation and insurance services for the company !

Property Insurance Fire (All Risks):
Office building, store and factory and its facilities, equipment, products and materials will be covered by the All-Risks Insurance.
All-Risks compensate for the damage caused by accidents such as the following ; Fire, Lightning, Explosion, Wind/Snow/Hail Disaster, Falling/Flying/Collision/ Collapse by object from the outside, Wet water, Riot, Theft.
And we also provide All-Risks Insurance for private housing and household goods.
Earthquake :
In order to cover the damage to building and contents caused by an earthquake, Earthquake Insurance is required.
However, the Earthquake Insurance for cooperate property is required underwriting conditions and limits are different individually designed by each insurance company from being re-insurance to the overseas markets.
In addition, the Earthquake Insurance for private housing and household goods are in default limits from being re-insurance to the Japanese government.
Loss of Profit / Business Interuption Insurance:
When the commercial facilities and store have received a loss or damage by the subject accident of All-Risks, such as loss of fire accidents, explosion, water-leakage and food poisoning, it can compensate for the total profit corresponding to the closed-period until the restoration is complete.
Movable All Risks Insurance:
Companies products, raw materials and office goods compensate when the damage of accidents. And it includes damage caused by accidents during loading and unloading work.
Theft Insurance:
Compensate the loss of cash/or securities caused by theft. And also compensate the loss/or damage of corporate products and properties caused by theft.
To compensate the damage caused by an accident that occurred to machinery in the factory and office building. And also, compensate damage of solar power generation facilities and boilers.
Construction & Erection All Risks:
To compensate the damages of construction purpose product by the accidents related to various construction, assembly, and civil engineering.
Automobile & Travel &e umbrella agreement for achieving Others Auto Mobile Liability Insurance:
It is a compulsory insurance that insured is obliged upon automobile driving. Also on the premises dedicated vehicle without inspection can be insured.
Auto Mobile Insurance:
Automobile insurance covers a liability of bodily injury and property damage, caused by the car accident.
Companies that own multiple vehicles is possible reasonable insurance arrangements by fleet contract with all-in-one policy etc.
Travel Insurance (Overseas Travel Insurance, Domestic Travel Insurance)
Travel insurance compensate for any accident starting from the door at home.
Most of the companies that have many overseas business travelers, contract the overseas travel insurance with corporate umbrella agreement for achieving rationality.
Personal Accident Insurance(General PA, Trafic Accident PA) :
It is compensated on a straight-line basis that bodily injury, death or disability due to the accident domestic and overseas, and 24 hours
Income Insurance :
If it became a non-employment injury of treatment or illness hospitalization, to compensate the amount of revenue that is determined in advance by contract.
For the enterprises, as welfare measures for employees, we provide long-term income compensation insurance and package products.
Workers’ Compensation Insurance:
It provides plus compensation to the government workers’ compensation insurance for industrial accident.
Guarantee Insurance:
It is to compensate for damages in the case that has been impair the credit in trade and employment.
Inland Transit & Ocean Marine Insurance:
We provide coverage for any of the following;
Marine Cargo Insurance (Sea / Air / Truck / Train / Post etc), War and strikes risks, War and land, Storage, Stock throughputs.
Liability Insurance General Liability / Professional Liability Insurance : General liability is to compensate the liability incurred by the damage to a third party’s of the body and property.
There are various kinds of special-clauses of general liability insurance depending on the business characteristics of the enterprise;
Professional Liability, Facility Owner’s Liability, Contractor’s Liability, Product Liability, and Fiduciary Liability etc.
Employer’s Liability Insurance :
It is insurance that employers of companies to cover the employer’s liability. In general, we will arrange with Workers’ Compensation Insurance.
Director’s & Officer’s Liability
In the business operations of the company, this insurance will cover the liability of the directors and officers who received the litigation.
Employment Practice Liability:
Cover the liability of the burden and the company’s legal costs due to sexual harassment and power harassment.
Personal Information Leakage Insurance :
Cover the costs at the time of leakage accident in businesses that handle customer data, including personal information.

Life Insurance

We will provide design and services of employee benefit and welfare plan of company !

Insurance Arrangement for the foreign companies in Japan

We specialize in providing localized service for global companies and organizations with business interests in Japan who have global insurance programs, based on your master policies.
We are an independent general insurance agency providing international individual and group benefit plans from leading health insurance companies and non-life insurance companies.

Employee Benefit

While diversification of human resources proceeds, it is possible to adjust the welfare system employees of each hierarchy can work with peace of mind.

And it is directly connected to motivation of reduction and economic and mental anxiety factor of income from health and life on the risk.

We will support the growth of the company through optimization of benefit plans that are tailored to the needs of our customers.


Effective use of Management’s Insurances

Widen the choice to deal to the risk of being predicted in management each stage of stability, development and inheritance of the company.

■ Life and Medical the type of insurance is paid to the company
Term Life Insurance (without surrender value)
Income Security Insurance
Medical Insurance, Cancer Insrance(full time payment )

■ Insurance with function of savings
Long-Term Level Term Life Insurance
Increasing Term Life Insurance
Cancer insurance (life type)
Whole Life Insurance

And we provide the Best Life Insurance for Individuals Please contact us !!

Review of the Life Insurance Contract

For your Life Insurance contracts, you can review along the following check points;

1. Guarantee Amount ?
Insured Amount should be taking into survivor’s pension amount and death retirement-savings amount

2. Insurance Period ? / Overlap ? etc
Overlap of security (overlap with the accident insurance and health insurance and public insurance), unnecessary rider, insurance payments grounds and disclaimers, insurance period and the guarantee period, automatic update other

3. Insurance premiums / premium payment period ?
Insurance premiums are commensurate with the current revenue

4. Surrender value ?
Cash surrender value amount, the current interest rate

5. Beneficiary and insured ?
Beneficiary, insured, beneficiary designation

For more details on products and services available, please contact us we will provide the Best Life Insurance Planning for Individuals

Insurance Company

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MetLife Insurance Company
Sompo Japan Nihon Koa Himawari Life Insurance Company
Nihon Life Insurance Company