MS&AD Insurance Group Holdings, Inc. is a medium-risk insurance company based in Japan. As the second-largest nonlife insurer in the country, MS&AD has a strong global presence with a focus on emerging Asian markets. With historical ties to the Mitsui and Sumitomo groups and a partnership with Toyota Motor, MS&AD has positioned itself well in the insurance industry. The company's acquisition of Lloyd's syndicate Amlin in 2017 has further expanded its reach into the European and North American markets. With a focus on ESG practices, MS&AD is a key player in the insurance industry landscape.