---
title: "トーア再保険"
aliases: ["トーア再保", "Toa Re", "Toa Reinsurance", "トーア再保険株式会社"]
domain: non-life-insurers
created: 2026-05-21
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-11-21
confidence: likely
tags: [JapanFG, insurance, non-life-insurance, reinsurance, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/songai.pdf"
  - "https://www.sonpohogo.or.jp/outline/member-companies.html"
  - "https://www.toare.co.jp/"
---

# トーア再保険


## Wiki route

This entry sits under [[non-life-insurers/INDEX|non-life-insurers INDEX]]. Read it against [[non-life-insurers/japan-earthquake-reinsurance|日本地震再保険]] for peer / contrast context and [[insurance/INDEX|insurance index]] for the broader system / regulatory boundary.

## TL;DR

トーア再保険株式会社は、金融庁の損害保険会社免許一覧に掲載される Japanese reinsurance company。Primary insurer ではなく、保険会社からリスクを引き受ける reinsurance operating company として JapanFG に置く。

## 1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, sonpohogo.or.jp, toare.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^[source:fsa.go.jp; sonpohogo.or.jp; toare.co.jp]

| Item | Notes |
|---|---|
| Legal name | トーア再保険株式会社 |
| License route | Insurance Business Act non-life insurance company; FSA non-life insurer list |
| Protection scheme | Non-Life Insurance Policyholders Protection Corporation member |
| Business type | Reinsurance |
| Wiki role | Japan reinsurance operating-company anchor |

## 2. Operating model

Reinsurance redistributes catastrophe, mortality / morbidity, liability, and large-loss risks across insurers and global capital. トーア再保険 is important because Japanese primary insurers' risk capacity is partly shaped by domestic and global reinsurance relationships, including the big three non-life insurers [[non-life-insurers/tokio-marine|東京海上 HD]], [[non-life-insurers/msad|MS&AD]], and [[non-life-insurers/sompo|SOMPO HD]] who cede a portion of catastrophe exposure via [[insurance/natcat-reinsurance-japan|natcat reinsurance arrangements]].

## 3. Why this page matters

- Adds a reinsurance operating-company anchor.
- Connects non-life pages with [[insurance/natcat-reinsurance-japan]].
- Registry-backed D5 specialty / reinsurance page.

## Related

- [[insurance/natcat-reinsurance-japan]]
- [[non-life-insurers/japan-earthquake-reinsurance]]
- [[non-life-insurers/tokio-marine-nichido-fire]]
- [[non-life-insurers/sompo-japan-insurance]]
- [[insurance/INDEX]]

## Sources

- FSA: non-life insurance company license list, as of 2026-04-01.
- Non-Life Insurance Policyholders Protection Corporation of Japan: member-company list, as of 2026-04.
- トーア再保険 official website.