USEN-SSI Co.,Ltd

What USEN-SSI Co.,Ltd does

USEN-SSI Co., Ltd. (USEN少額短期保険株式会社) is a Tokyo-based, privately held small-amount short-term insurance company (少額短期保険会社) operating within the U-NEXT HOLDINGS group. Founded in February 2018, the company is regulated under Japan's small-amount short-term insurance regime and holds its headquarters at the USEN Shibuya Building in Shibuya-ku. Its portfolio centers on insurance products targeted at small and medium-sized business operators and commercial tenants in Japan, particularly in the retail and food-service sectors, with a stated geographic focus on the Kanto Region.

The company's product line comprises four core offerings: お店のあんしん保険 (Store's Peace of Mind Insurance), its flagship comprehensive tenant insurance covering facility damage, liability, and business interruption; ビジネスリスクGuard (Business Risk Guard) for broader operational risk; パワーアッププラン (Power Up Plan), an enhanced-coverage tier subject to periodic revisions; and Bizサポートプラン (Biz Support Plan), which addresses management-dispute risks. Underlying technology consists of an internet-based insurance platform supporting digital policy issuance via e-保険証券 and online claims intake, supplemented by the お店のHACCP food-safety compliance app launched in 2021. Liability coverage on the flagship product was expanded to 100 million yen in 2018 through a reinsurance arrangement with Sompo Japan Nipponkoa.

USEN-SSI generates revenue primarily through recurring insurance premiums, with pricing quoted per risk profile rather than publicly disclosed. Distribution is anchored by USEN Corporation acting as the principal handling agency, supplemented by direct internet sales and partner agents; the parent USEN business network provides top-of-funnel referral flow into the SMB target segment. Leadership rests with President and Representative Director Miyamoto Tamotsu (宮本 保). A strategic partnership with SBI Japan Small-Amount Short-Term Insurance (SBI日本少短) in the tenant insurance field was strengthened in May 2026, indicating the company's intent to deepen capability within its core vertical rather than diversify broadly.

Name

USEN-SSI Co.,Ltd

Legal name

USEN-SSI Co.,Ltd

Website

https://usen-ssi.co.jp

Company type

Private

Founded year

2018

Operating status

Operating

Short description

USEN-SSI Co., Ltd. is a privately held Japanese small-amount short-term insurance company within the U-NEXT HOLDINGS group, offering tenant and business-risk insurance products to small and medium-sized business operators and commercial tenants in Japan, distributed primarily through the USEN agency network.

Ownership category

akta.pro rank

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Income: Collects insurance premiums from policyholders in exchange for coverage. Products include tenant comprehensive insurance, business risk protection, and business support plans for commercial establishments.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

USEN-SSI Co.,Ltd is a Japanese small-amount short-term insurance company that underwrites and sells commercial insurance products to business operators and commercial tenants. Its core offering is お店のあんしん保険 (Store Peace of Mind Insurance), a comprehensive tenant insurance covering facility damage, liability compensation, and business interruption, complemented by ビジネスリスクGuard (business risk protection), パワーアッププラン (enhanced coverage), and Bizサポートプラン (management risk support). Products are distributed primarily through the USEN agency network and direct online sales.

Product overview

USEN-SSI Co.,Ltd operates as a small-amount short-term insurance company (少額短期保険会社) offering a portfolio of four distinct insurance products targeting business operators and commercial tenants. The core offering is お店のあんしん保険 (Store's Peace of Mind Insurance), a comprehensive tenant insurance providing facility damage, liability, and business interruption coverage. This is supplemented by three additional products: ビジネスリスクGuard for general business risk protection, パワーアッププラン as an enhanced coverage tier, and Bizサポートプラン for management risk support. All products target commercial establishments and business operators, primarily distributed through agency partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• お店のあんしん保険: 事業者向けテナント総合保険 - Comprehensive tenant insurance for business owners covering store facilities, equipment, and liability.
• ビジネスリスクGuard
• パワーアッププラン
• Bizサポートプラン

Products and services

• お店のあんしん保険 (Store Peace of Mind Insurance) Comprehensive tenant insurance (事業者向けテナント総合保険) for store and business facility owners, providing coverage for facility damage, liability compensation, and business interruption. The flagship product of USEN-SSI, targeting small-to-medium business operators such as retail stores and restaurants leasing commercial premises.
• ビジネスリスクGuard (Business Risk Guard) Business risk insurance product launched in 2020, designed to protect business operators from various operational and management risks. Sold to SMB business operators seeking broader risk coverage beyond tenant premises.
• パワーアッププラン (Power Up Plan) Enhanced insurance plan offering expanded coverage and additional benefits beyond the base お店のあんしん保険 (Store Peace of Mind Insurance) product. Subject to periodic product revisions with updated terms and coverage.
• Bizサポートプラン (Biz Support Plan) Business support plan that protects operators from operational troubles and management-related risks. Targeted at business operators facing operational management disputes and challenges.
• お店のHACCP (Store HACCP Food Safety Check App) Food safety check mobile application launched as a new digital service for food business operators to support HACCP compliance. Supplementary digital service allied to the company's insurance offerings for the food and restaurant sector.
• e保険証券 (Electronic Insurance Certificate) Digital delivery service for insurance certificates, allowing policyholders to receive and manage their insurance policies electronically instead of via paper documents.

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• SBI日本少短（SBI Japan Small-sum Short-term Insurance）coreStrategic or Co-development Partner · 1 May 2026Strategic partnership between USEN少額短期保険 and SBI日本少短 to strengthen capabilities in the tenant insurance field. The partnership aims to enhance competitive offerings in the commercial tenant insurance market in Japan.
• 損保大賞日本興亜（Somers Japan）coreTechnology or IntegrationPartnership to expand liability compensation coverage for お店のあんしん保険 to 100 million yen, enhancing the coverage limits for policyholders through reinsurance arrangement.

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• あいおいニッセイ同和損害保険 (Aioi Nissay Dowa Insurance): Major Japanese P&C insurer with strong auto and SMB commercial insurance franchises. Comparable to USEN-SSI in commercial tenant/SMB coverage but at meaningfully larger scale.
• 損害保険ジャパン (Sompo Japan Insurance): One of Japan's largest P&C insurers and USEN-SSI's reinsurance partner for the 100 million yen liability cap. Overlaps with USEN-SSI's commercial tenant insurance market but operates across the full P&C spectrum with much greater scale and distribution.
• 三井住友海上火災保険 (Mitsui Sumitomo Insurance): Major Japanese P&C insurer serving SMB and enterprise customers with property, liability, and specialty products. Competes with USEN-SSI for SMB commercial insurance but with broader product lines and scale advantages.
• 東京海上日動火災保険 (Tokio Marine & Nichido Fire Insurance): Japan's largest P&C insurer offering property, liability, and commercial insurance to SMBs and enterprises. Comparable to USEN-SSI in commercial tenant coverage but with vastly larger capital, broker networks, and brand recognition.

Direct peers

• 楽天少額短期保険 (Rakuten Small-amount Short-term Insurance): Japanese 少額短期保険会社 under Rakuten offering pet and accident insurance online. Comparable to USEN-SSI as a digital-first specialist insurer operating under the same regulatory framework, with similar emphasis on simplified online purchase flows.
• ソニー損害保険 (Sony Assurance): Direct online P&C insurer in Japan known for simple, transparent products sold via web and phone. Comparable to USEN-SSI's emphasis on digital distribution and simplified SMB/commercial coverage.
• イーデザイン損害保険 (E.design Insurance): Direct-to-consumer online P&C insurer owned by Sompo Japan, focusing on simplified auto and SMB insurance sold online. Comparable to USEN-SSI's digital-first distribution approach for small commercial customers.
• SBIインシュアランス少額短期保険 (SBI Insurance Small-amount Short-term Insurance): Another licensed Japanese 少額短期保険会社 under the SBI group, focused on niche insurance products for consumers and SMBs. Direct strategic partner of USEN-SSI as of May 2026 and the closest comparable by business model, regulatory category, and target customer.
• ペット＆ファミリー少額短期保険 (Pets & Family Small-amount Short-term Insurance): Licensed 少額短期保険会社 focused on pet insurance with online distribution. Comparable to USEN-SSI by regulatory category and digital-first operating model, though concentrated in a different product vertical.

Others

• 保険見直し本舗 (Hoken-no-Madoguchi / Hokepo): Large Japanese insurance agency chain that compares and sells policies from multiple carriers for SMBs and consumers. Adjacent to USEN-SSI as an SMB insurance distribution channel rather than a direct underwriter, competing for the same customer relationship.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about USEN-SSI Co.,Ltd