Sompo International

What Sompo International does

Sompo International Holdings Ltd. is the global insurance and reinsurance arm of Japanese insurer Sompo Holdings, Inc. (NYSE: 8630), headquartered in Bermuda and operating across North America, Continental Europe, the UK, Asia Pacific, Latin America, the Middle East, and Africa. The company underwrites commercial and consumer property, casualty, and specialty insurance through two main platforms: direct insurance (Agriculture, Aviation, Casualty, Cyber, Energy, Environmental, E&O/Professional Indemnity, Financial Institutions, Healthcare Liability, Life Sciences, Management Liability, Marine, Middle Market, Property, Specialty, Surety) and the SompoRe reinsurance brand (Accident & Health, Aviation & Space, Casualty, Engineering, Marine & Energy, Mortgage & Alternative, Professional Liability, Property, Property Catastrophe, Regional & Multiline, Surety, Trade Credit, Workers' Compensation). Coverage is delivered to large multinational corporations, middle-market accounts, reinsurance cedants, and via a strategic partnership with UK-based Zego to gig economy drivers in Japan.

Distribution is predominantly broker-led through retail and wholesale networks, MGUs, and reinsurance intermediaries, supplemented by the Multinational Business Services platform providing coordinated coverage in 160+ countries compliant with local regulations. The technology stack centers on SompoReConnect, an internet-based reinsurance modeling and pricing platform enabling quote-and-bind functionality with analytics and bordereau management, plus the Surety Digital Hub self-serve channel. Revenue is generated through insurance and reinsurance premiums collected on an annual subscription basis with quote-based pricing tailored to risk profile; no standardized tiered pricing is publicly disclosed.

Sompo International reported $12.05 billion in revenue for the first nine months of 2025 and FY'25 adjusted profit of $1.7 billion (+69% YoY) with a combined ratio of 82.1%. The transformative $3.5 billion acquisition of Aspen Insurance Holdings closed February 24, 2026, adding specialty lines and Lloyd's platform capability and lifting overseas operations to approximately 45% of consolidated insurance revenue. Capital strength is supported by A.M. Best A+ (Superior), S&P A+ (Strong), and Moody's A1 ratings, with approximately 40,000+ employees globally across the parent group.

Name

Sompo International

Legal name

Sompo International Holdings Ltd.

Website

https://sompo-intl.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Sompo International is the global insurance and reinsurance arm of Sompo Holdings, underwriting commercial and specialty property/casualty and reinsurance products across 160+ countries through broker networks and a multinational platform, serving large multinationals, middle-market firms, reinsurance cedants, and emerging gig economy segments.

Ownership category

akta.pro rank

Product category

Commercial Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Surety Insurance (6351)

akta.pro primary industry

Marine Specialty (Hull/P&I/Cargo) (FSAJAGAJ)

akta.pro secondary industry

Marine & Aviation Insurance (FSAJAMAI)

Keywords

• Commercial property insurance
• Specialty casualty insurance
• Global reinsurance services
• Multinational risk management
• Surety bond insurance

Headquarters

HQ city

Hamilton

HQ country

Bermuda

Offices15 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Property, casualty, and specialty insurance and reinsurance premiums collected from commercial and consumer clients across global markets.
2. Reinsurance Premiums: Reinsurance premiums collected through SompoRe for property, casualty, and specialty lines.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Sompo International is a global provider of commercial and consumer property, casualty, and specialty insurance and reinsurance. Under its SompoRe brand, the company offers treaty and facultative reinsurance across accident & health, aviation & space, casualty, engineering, marine & energy, mortgage & alternative, professional liability, property, property catastrophe, regional & multiline, surety, trade credit, and workers' compensation lines. Insurance products span aviation, agriculture, cyber, energy, environmental, errors & omissions, financial institutions, healthcare liability, life sciences, management liability, marine, middle market, property, specialty, and surety, distributed through brokers, MGUs, and direct multinational engagement across U.S., Bermuda, U.K., Continental Europe, and Asia Pacific platforms.

Product overview

Sompo International is a global provider of property, casualty, and specialty insurance and reinsurance operating under a platform-plus-modules architecture. The company offers two main product lines: Insurance (including Agriculture, Aviation, Casualty, Cyber, Energy, Environmental, E&O/Professional Indemnity, Financial Institutions, Healthcare Liability, Life Sciences, Management Liability, Marine, Property, Specialty, Surety, and Middle Market) and SompoRe reinsurance products (including Accident & Health, Aviation & Space, Casualty, Engineering, Marine & Energy, Mortgage & Alternative, Professional Liability, Property, Property Catastrophe, Regional & Multiline, Surety, Trade Credit, and Workers' Compensation). These offerings are delivered through global distribution networks across North America, UK, Continental Europe, Asia Pacific, Latin America, and Bermuda, supported by multinational business services, risk control, and claims handling capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• SompoRe: Global reinsurance operations providing reinsurance protection across accident & health, aviation & space, casualty, engineering, marine & energy, mortgage & alternative, professional liability, property catastrophe, regional & multiline, surety, trade credit, workers compensation, and workers compensation catastrophe lines
• Surety Digital Hub
• Zego (partnership/investment)

Products and services

• Aviation Insurance Comprehensive aviation hull and liability coverage for airlines, product manufacturers, airport operators, and ancillary services, including APAC Hull, Continental Europe, UK Hull, and US General Aviation offerings.
• Casualty Insurance Primary, excess, and umbrella casualty coverage across a wide range of industries with global distribution through hubs in the US, Europe, UK, Mexico, Singapore, and Japan.
• Agriculture Insurance Multi-Peril/Named Peril/Crop Hail, Livestock Risk Protection, and specialty property coverage for farmers, ranchers, farm suppliers, and food processors globally.
• Cyber Insurance Comprehensive first and third-party cyber liability coverage with risk mitigation and breach response services for organizations of all sizes in the US, Bermuda, Canada, and UK markets.
• Energy Insurance Integrated property, casualty, excess casualty, and weather derivatives coverage for traditional and renewable energy sectors across upstream, midstream, and downstream operations.
• Environmental Insurance Custom-tailored environmental insurance products providing financial and operational security for companies facing significant environmental exposures from existing and emerging conditions.
• Errors & Omissions / Professional Indemnity Insurance Flexible and comprehensive E&O and Professional Indemnity coverage options for miscellaneous professional service, technology classes, law firms, architects & engineers, accountants, and insurance agents & brokers.
• Financial Institutions Insurance Professional liability products for traditional financial institutions, hedge funds, private equity funds, real estate funds, BDCs, REITs, and alternative asset managers on both primary and excess basis.
• Healthcare Liability Insurance Healthcare liability coverage for non-profit and for-profit hospitals and healthcare organizations, including professional liability products for community-based hospitals, integrated delivery systems, and physician groups.
• Life Sciences Insurance Comprehensive coverage for drugs, pharmaceuticals, biologics, medical devices, and clinical trials with product liability, E&O, clinical trials coverage, and specialized property protections up to $25M limits.
• Management Liability Insurance D&O, Side A, Employment Practices Liability (EPL), fiduciary, and crime liability coverages for public and private companies and not-for-profits across all industry sectors.
• Marine Insurance Hull and liability insurance on primary and excess basis, covering marine cargo, inland marine, and specie risks through both mono-line and marine packages tailored to exposure size and complexity.
• US Middle Market Insurance Multi-line specialty coverage for middle market accounts offering Property up to $500M, General Liability, Auto, Workers' Compensation, Umbrella/Excess Casualty up to $15M, and specialty risk coverage including D&O, Cyber, and Inland Marine.
• Property Insurance Full range of primary, ground up, and excess property coverages including Canada Commercial Specialty Property, Corporate Property, Engineered Risk, and Property E&S for clients regardless of portfolio size and risk profile.
• Specialty Insurance Personal accident, credit risk, environmental, and political & financial risk coverage through dedicated specialty teams providing responsive underwriting and claims services.
• Surety Insurance Top 15 US surety company offering performance and payment bonds, license and permit bonds, probate and court bonds, US customs bonds, and SBA capability through a nationwide network of independent agents and brokers.
• Accident & Health Reinsurance Reinsurance protection on quota share and excess of loss basis for employer stop loss, HMO reinsurance, short-term medical, student medical, and special risk products including Life CAT and Disability CAT.
• Aviation & Space Reinsurance Proportional and non-proportional treaty protection across all aviation lines including airline hull and liability, aircraft manufacturers' products liability, general aviation, and in-orbit space coverage.
• Casualty Reinsurance Global casualty treaty and facultative reinsurance supporting general liability, umbrella & excess, workers' compensation, auto liability, public and product liability, employers' liability, and motor coverage.
• Casualty Facultative Reinsurance Selective individual risk reinsurance coverage through SompoReConnect platform, individual risk certificates, and alternative market quoting for regional companies and captives.
• Engineering Reinsurance Engineering treaty coverage on worldwide basis including Contractors' All Risks, Erection All Risks, Machinery Breakdown, Computer & Electronic Equipment, and Deterioration of Stock.
• Marine & Energy Reinsurance Traditional and specialized reinsurance for hull, cargo, liability, upstream and downstream energy, and other specialized marine lines on both proportional and non-proportional basis.
• Mortgage & Alternative Reinsurance Global mortgage credit risk, structured reinsurance, and specialized credit and financial reinsurance covering residential and multifamily mortgage, title insurance, and legal indemnity insurance.
• Professional Liability Reinsurance Professional liability reinsurance for directors and officers liability, medical malpractice liability, and errors and omissions on excess of loss or proportional basis with significant capacity.
• Professional Liability Facultative Reinsurance Alternative solutions for insurers seeking additional support due to volatility, covering D&O, E&O, financial institution blended, employment practices, crime, fiduciary, and medical malpractice liability.
• Property Reinsurance Worldwide property reinsurance for physical damage and time element exposure ranging from personal lines to heavier commercial and industrial portfolios on excess of loss and pro rata basis.
• Property Catastrophe Reinsurance Catastrophe reinsurance for hurricanes, typhoons, extratropical cyclones, earthquakes, tsunamis, floods, tornadoes, and terrorism on treaty basis including catastrophe swaps and customized parametric solutions.
• Regional & Multiline Reinsurance Stable capacity and material participations for US regional companies writing homeowners, commercial general liability, umbrella, and workers' compensation exposures on quota and excess of loss basis.
• Surety Reinsurance Proportional and excess of loss reinsurance of surety lines on worldwide basis covering contract surety, commercial surety, and fidelity for international writers and specialty operations.
• Trade Credit Reinsurance Proportional and excess of loss reinsurance of trade credit and political risk lines on worldwide basis for trade credit and political risk coverage.
• Workers' Compensation & Employers' Liability Reinsurance Traditional working layer workers' compensation and employers' liability coverage for specialty operations and state funds on excess of loss and proportional basis.
• Workers' Compensation Catastrophe Reinsurance Low frequency, high severity excess of loss treaty reinsurance for workers' compensation catastrophe from Bermuda operation serving national accounts and state funds globally since 2002.
• Multinational Business Services Industry-leading platform for managing multinational risk with access to global coverage compliant with local regulations in 160 countries through licensing capabilities and third-party partners.
• Insurance Risk Control Services Collaborative, practical risk management programs tailored to unique account operations delivered by team with engineering backgrounds and extensive technical training and certifications.
• Claims Services Global insurance and reinsurance claims services with experienced professionals aligned with specialty product lines and geographies, providing fair outcomes, timely responses, and value-added expertise.

Quantifiable outcome

• Revenue increased to $12.05 billion in first nine months of 2025
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered strategic and minor.

• ZegostrategicStrategic or Co-development Partner · 16 April 2026Sompo International partnered with UK-based Zego and made an investment in the company to develop new digital auto insurance products in Japan. Zego, founded in 2016, built its business offering flexible, usage-based insurance for gig economy drivers using smartphone tracking, AI, and behavioral scoring. The companies will explore bringing Zego's technology to Japan through pilot programs, aiming to create a new digital insurance model with advanced pricing and personalized coverage.
• Collinson InternationalminorStrategic or Co-development Partner · 27 October 2025Collinson International and Sompo expanded their partnership to introduce Sompo Smart Delay service in Singapore, mainland China, and Malaysia, providing policyholders access to airport lounges and travel experiences during flight delays. The service was launched to address increasing flight disruptions affecting millions in APAC, offering immediate digital vouchers for airport amenities in case of delays.

Scale indicators11 records

Recent moves9 records

Expansion highlights8 records

Direct peers

• Travelers Companies: US-focused P&C insurer with strong commercial lines and specialty capabilities including surety. Comparable to Sompo International's US commercial and surety operations.
• Chubb Limited: Global P&C insurer with extensive specialty lines, large multinational accounts, and strong combined ratio performance. Closely comparable to Sompo International in product breadth, geographic reach, and enterprise client focus.
• Arch Capital Group: Specialty P&C insurer and reinsurer with global platform. Comparable to Sompo International in specialty insurance and reinsurance product mix.
• Zurich Insurance Group: Global P&C and specialty insurer with deep European presence and broad commercial/specialty product portfolio. Comparable to Sompo International in multinational platform strategy and specialty capabilities.
• Everest Group: Specialty insurance and reinsurance provider with significant Bermuda presence. Directly comparable to Sompo International's SompoRe reinsurance operations and specialty underwriting.
• Markel Group: Specialty insurer with niche focus on hard-to-place risks including professional liability, marine, and energy. Comparable to Sompo International's specialty insurance product set.
• Liberty Mutual Insurance: Global P&C insurer with strong US specialty and commercial lines presence. Comparable to Sompo International in product diversification and middle-market focus.
• RenaissanceRe Holdings: Bermuda-based specialty reinsurer with strong catastrophe and specialty lines franchise. Closely comparable to Sompo International's SompoRe reinsurance operations, particularly property catastrophe and specialty reinsurance.
• Beazley plc: Specialty insurer with strong Lloyd's platform and cyber, marine, and professional liability focus. Comparable to Sompo International's specialty capabilities and Lloyd's access via Aspen.

Broad incumbents

• AIG (American International Group): Large global insurance conglomerate with broad P&C, specialty, and asset management operations. Overlaps with Sompo International in commercial P&C and specialty lines at global scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@SompoInternational
• LinkedInlinkedin.com/company/15175766

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sompo International