Our Brand Story
Mission
To contribute to the development of a vibrant society and help secure a sound future for the planet, by enabling safety and peace of mind through the global insurance and financial services business.
Vision
To create a world-leading insurance and financial services group that consistently pursues sustainable growth and enhances corporate value
Our Core Values
At MSIG, our Core Values are our guiding light, ensuring that everything we do keeps our customers’ best interests at heart.

Customer Focus
Striving to provide security and satisfaction to our customers.

Integrity
Being sincere, kind, and fair in our dealings with people.

Teamwork
Growing together as team by respecting one another’s individuality and opinions and sharing knowledge and ideas.

Innovation
Always improving the way we work while responding to stakeholders’ interest.

Professionalism
Providing high-quality services by constantly enhancing our skills and proficiency.
About MSIG
MSIG Insurance (Singapore) Pte. Ltd., a subsidiary of Mitsui Sumitomo Insurance and part of the MS&AD Insurance Group, is Singapore’s leading general insurer, with a solid presence in the local market for over 100 years. We are unique as a company that has drawn upon a rich blend of best practices and expertise from the consolidation of several successful mergers, and holds an A+/Stable financial rating by Standard & Poor's.
A testament to our growing strength and influence, MSIG Singapore has garnered numerous awards for delivering digitally innovative and customer-centric solutions. In 2024, MSIG was honoured with the ‘Best General Insurer for Singapore’ award by InsuranceAsia News. This prestigious recognition highlights our unwavering commitment to excellence and customer satisfaction.
As a member of the MS&AD Group which operates in more than 40 countries in Asia and Oceania, this strength has enabled us to leverage on extensive group‑wide expertise and synergies, including that of MS Amlin, the second largest Lloyd’s syndicate which was acquired by the Group in 2015 to underwrite special risks, and that of First Capital Insurance Limited of Singapore which was successfully acquired in late 2017.
We are one of the few foreign‑based general insurers who offer a wide range of insurance solutions across personal and commercial lines. This is made possible because of our well‑established distribution networks and partnerships with global brokers, agencies, financial institutions, motor franchise as well as local and Japanese corporate clients.
Leadership profiles

Mack Eng
As the Chief Executive Officer, Mack is responsible for driving the profitable growth and success of MSIG’s business in Singapore.
Prior to his appointment, he was the Executive Vice President of MSIG Asia and Head of the Global Digital HUB in Singapore, leading the development of the regional business and digital strategies.
Mack has 30 years of experience having held various senior local and regional management roles in the insurance industry. Before MSIG, Mack was Chief Executive Officer with two other general insurers, and was the Head of Strategy & Transformation (Medical) with a leading life insurer.
Under his leadership, his previous companies attained several prestigious awards such as SPRING Singapore’s Service Quality Class & Service Class, Excellent Service Award (Association of Banks), HR Vendor Bronze Award and Enabling Employee Award.
He graduated from the University of Hawaii at Manoa (USA) in Business Marketing (Honours) and was awarded IBF Fellow (Institute of Banking & Finance, Singapore). He is also an associate of CII (Chartered Insurance Institute, UK); Fellow of Life Management Institute (LOMA, USA), Associate of Customer Service (LOMA, USA) and has a diploma in Direct Marketing (Credit) from the Institute of Direct Marketing, London and completed the Certificate of Digital Insurance (The Digital Insurer).

Kensuke Unoki
Unoki-san serves as the Managing Director at MSIG Singapore and is responsible for achieving its key business objectives and grow shareholder value through improved strategic planning and operational effectiveness.
Unoki-san is a seasoned insurance professional with 26 years of experience. He joined Mitsui Marine and Fire Insurance Co., Ltd. in 1998. He worked in Commercial Marketing in Tokyo and Osaka before joining MSIG Singapore for the first time as a marketing representative in 2010. He was then transferred to Mitsui Sumitomo Insurance’s Toronto Branch as Chief Representative in 2015. He returned to Tokyo in 2018 to join its International Business Department. Prior to joining MSIG Singapore for the second time, he was back in Commercial Marketing line, specialising in Oil & Energy Section.
Unoki-san holds a Bachelor of Laws degree from Kyoto University, one of the top universities in Japan. He is currently Vice President of The Japanese Association Singapore, and Management Committee member of The Japanese School in Singapore.
Having spent five years in Singapore previously, he loves many aspects of this wonderful country, particularly the diversity that derives from different ethnicities and their cultures, heritage, and food.
He embraces life with optimism, humility and an open-mind, and believes in fostering a welcoming and positive vibe with everyone he encounters.

Sharon Teo
With years of experience under her belt, Sharon has held several senior appointments and now oversees Human Resources, Learning & Development, Operations, Brand & Communications, and Project Management Office at MSIG Singapore. She also spent eight years in the company's Regional Office driving strategy and initiatives in Service and Business Excellence areas.
The people-oriented leader is focused on driving transformations to continually improve efficiencies for the business and experiences for employees, customers and business partners.
Sharon was credited for setting up MSIG's first centralised Customer Centre. She led the ISO 9001:2000 certification for MSIG Singapore, established Customer Satisfaction measurements and pioneered the company's Customer Journey Mapping initiative across the region. Her most recent project was to oversee MSIG's IT transformation.
Prior to MSIG, Sharon spent five years in DBS Bank, where she set up and ran the centralised services team that supports back office operations. She also worked in the Contact Centre and Cheque Clearing operations.
Overseeing MSIG's CSR programme, Sharon spearheaded volunteerism across the organisation by giving each staff up to 2 days each year to participate in CSR activities. Outside the office, the salsa dancer collects vintage tableware and enjoys jogging and strength training.
Sharon holds an Honours degree in Arts and Social Sciences from the National University of Singapore.

Chock Ker Ching
Ker Ching has 17 years of experience in audit and finance functions including treasury, investments, financial and regulatory reporting, and business analytics and corporate strategy, having worked in both reinsurance and direct insurance companies. She has led finance and enterprise transformation projects in her previous positions.
Her most recent position was Chief Financial Officer, Asia, at Partner Reinsurance Asia.
Prior to joining PartnerRe, she was the Head of Finance (Reinsurance Division) of Berkshire Hathaway Specialty Insurance, Singapore. She started her career in KPMG as an auditor covering financial institutions.
Ker Ching has a degree in accountancy from the Oxford Brookes University and is a Fellow Member of the Association of Chartered Certified Accountants (ACCA).

Goh Eng Chai
Business Technology Solutions
Eng Chai is responsible for the company’s long-term IT strategy. His division manages the IT operations and new technology development to support MSIG Singapore’s digital transformation and business growth.
He brings along more than 23 years of experience in the specialised fields of technology infrastructure, service delivery and modernisation of core insurance platform.
Up to December 2020, Eng Chai was the Senior Vice President of Technology Solutions at MSIG Holdings (Asia) before joining the Singapore office to head the new division. He was part of the team involved in MSIG’s regional rollout of a new core insurance system and oversaw the large-scale implementation program.
Eng Chai credits MSIG’s core values in laying the foundation for a culture of excellence in the company. Off work, he enjoys family time with his two sons.
Eng Chai graduated from the University of Wollongong where he majored in Internet Science and Technology. He is also an ITIL® Expert, a certified Scrum Master and Scrum Product Owner.

Jeremy Lian
Technical Services
As Senior Vice President for Technical Services, Jeremy is responsible for managing 140 staff in the Underwriting, Reinsurance, Claims and Data Intelligence & Actuarial departments. He joined MSIG Singapore in 2013 and counts over 20 years of experience in the general insurance industry.
Before joining MSIG Singapore, Jeremy headed the Business Services division in MSIG Insurance (Hong Kong) Limited covering Underwriting, Reinsurance, Claims and Legal Services. Between 2004 and 2010, he was the regional actuary for MSIG Holdings (Asia) Pte Ltd and was the approved actuary for MSIG operations in Southeast Asia and Hong Kong.
Jeremy believes MSIG can become an employer of choice if employees work closely with one another, continue developing new skills, and enjoying their jobs. “When they enjoy what they do, we can be assured they will delight our customers,” he adds.
Jeremy is a Fellow of the Casualty Actuarial Society (CAS) and has an Executive MBA from Kellogg-HKUST. Outside MSIG, Jeremy volunteers as VP of the Asian Region Casualty Actuaries (ARECA) Committee and University Liaison for the CAS. He is also an executive committee member of the alumni club of another local school.

Mabel Choo
Legal & Compliance
Mabel oversees the functions of Legal & Compliance at MSIG Singapore. She is a Singapore-qualified lawyer and has worked in law firms for a number of years. In the later part of her career as a practicing lawyer, her work focused on insurance-related litigation.
Mabel has more than 20 years of professional experience spread across legal practice, insurance and the banking industries. She has held global, regional and local roles and was most recently the Regional Head of Legal and Compliance for Asia Pacific in a general insurer.
Mabel has a law degree from National University of Singapore and a certificate in Data Protection (EU GDPR).

Jerry Pai
Corporate Distribution
Jerry leads the growth strategy for the corporate segment business and oversees the distribution channels, including Brokers, Agents, Direct and Japanese corporate accounts, as well as the Marine Business Development department.
He has over 20 years of senior leadership experience in the financial services industry across local and international markets. This includes over 10 years in the commercial insurance industry, leading strategic and profitable business growth.
Prior to his appointment, he was the Managing Director for wealth management firm - St James’s Place in the Asia and Middle East region, leading the accelerated growth and development of the regional business. During his tenure, he successfully delivered business expansion through strengthening distributor relationships, entering new markets, and developing strategic partnerships.
Before St James’s Place, he was the Director for Strategy & Change at RSA Insurance (UK) where he oversaw the development and execution of strategic plans. He successfully led change initiatives that strengthened underwriting capabilities and streamlined operations across its specialty lines business, including Marine, Engineering, and Accident and Health.
Jerry holds an MBA from the University of Oxford, where he graduated with distinction.

Steven Leong
Retail Distribution
Steven is responsible for the development and growth of the consumer segment business at MSIG Singapore, and provides strategic direction and leadership in the areas of digital partnerships and distribution, bancassurance, product research and innovation, and digital marketing.
At MSIG, he was instrumental in transforming the bancassurance distribution and establishing MSIG as one of the market leaders in Singapore for personal insurance. Steven is a proponent of MSIG's digitisation efforts in a bid to deliver innovative solutions for customers. He champions improvements in customer journeys, with focus on delivering customer-centric insurance solutions to meet customers' needs and improve their engagement and experience with MSIG.
With over 30 years of general insurance experience, Steven has worked in various roles including business development, insurance broking, marketing, underwriting and operations. Steven is a Chartered Insurer with the Chartered Insurance Institute (UK), and holds a Bachelor of Business Degree in Banking & Insurance from Nanyang Technological University.
Leadership profiles

Located in Singapore, MSIG Asia Pte Ltd (“MSIG Asia”) is a wholly owned subsidiary of Mitsui Sumitomo Insurance Company, Limited, and a member of the MS&AD Insurance Group, Inc. Combining global and local best practices, the core subsidiaries and affiliates of MSIG across ASEAN, Hong Kong, Australia and New Zealand, have been providing general insurance solutions for more than 100 years. A leading insurance brand in Asia, MSIG leverages on multi-channel distribution and strong intermediary partnerships to offer insurance solutions across personal and commercial lines.
MS&AD Insurance Group, Inc. (“MS&AD Insurance Group”) was formed in April 2010 from the business integration of Mitsui Sumitomo Insurance Group Holdings, Inc., Aioi Insurance Co., Ltd., and Nissay Dowa General Insurance Co., Ltd. It is amongst the world’s top non-life insurance groups based on gross revenue, with A+ Stable credit rating and presence in 50 countries and regions globally. MS&AD Insurance Group is committed to achieving sustainable growth and to enhancing enterprise value, driven by five business domains: domestic (Japanese) non-life insurance, domestic (Japanese) life insurance, overseas business, financial services business and risk-related business.
MSIG Insurance is a subsidiary of Mitsui Sumitomo Insurance and a member of the MS&AD Insurance Group.
In June 2004, MS&AD Insurance Group signed the UN Global Compact and voiced support for the Universal Declaration of Human Rights.
To demonstrate our Group’s commitment, approaches have been adopted in line with the ILO Core Labor Standards and the OECD Guidelines for Multinational Enterprises. An initiative that has resulted from that is the MS&AD Insurance Group Basic Policy on Human Rights, announced in February 2017.
Subsequently, at MSIG Singapore, we also developed our local Human Rights Policy. The policy reflects how we continually strive towards the highest ethical standard when it comes to respecting human rights throughout the organisation’s value chains.
MSIG Singapore’s Human Rights Policy
We believe that all individuals should be treated with dignity and respect. We respect basic human rights in all business activities, and not discriminate regardless of race, nationality, gender, age, ethnic origin, descent (family origin), social status, creed, religion, physical characteristics, disability, sexual orientation, gender identity or pregnancy.
We are guided by the provisions of the standards in the UN International Bill of Human Rights (which consists of the Universal Declaration of Human Rights), the corporate code of conduct in the UN Global Compact, and the principles concerning fundamental rights set out in the ILO Declaration on Fundamental Principles and Rights at Work, in the manner that they operate.
We support the UN Declaration of Human Rights articles, including the following principles:
- Right to be treated with dignity
- Right to be free from discrimination
- Right to security
- Right to fair trial and hearings
- Right to protection of own privacy
- Right to be protected from attacks or degrading treatment
- Right to just and favourable work conditions and remuneration
- Right to rest and leisure
- Right to protection of copyright
- Right to freedom of opinion and expression
We have put in place a robust system to monitor the design and implementation of internal policies to ensure they comply with our Group’s human rights commitment. This includes assessment and prevention of any actual and potential human rights risks; remediation if human rights have been found to be adversely impacted; and education and training of employees to raise awareness.
As a socially responsible employer, it is our obligation to create an open and harmonious culture where the fundamental rights of each employee are protected. The promotion of a bias-free, positive working environment is a commitment that we will undertake.
We will also advocate for the same level of commitment from our business partners and suppliers where we can exercise influence.
If you have any enquiries or concerns on MSIG Singapore’s Human Rights Policy and practices, please contact us.
* Based on 2023 Gross Written Premiums, General Insurance Association
Statistics for the Singapore Insurance Fund (SIF).









Our history

Mitsui Sumitomo Insurance Company, Limited was formed in 2001 through a merger between Mitsui Marine & Fire Insurance Co., Ltd. and Sumitomo Marine & Fire Insurance Co., Ltd. Formed in 1918 and 1893 respectively, Mitsui Marine and Sumitomo Marine were both leading non-life insurance companies.
Their origins go back even further with “Mitsui” and “Sumitomo” established more than 300 years ago and still operating as business management groups with major influence in Japan and the rest of the world.
An enduring philosophy
Mitsui and Sumitomo achieved sustainable development over the long term by responsibly fulfilling their obligations to care for society and the environment, thus earning the trust of their many and varied stakeholders, including customers, employees and communities. This is the philosophy that still guides Mitsui Sumitomo Insurance today.

“Echigo-ya” Drapery Store in the Edo Era
©公益財団法人三井文庫

Takatoshi Mitsui
©公益財団法人三井文庫

Echigoya - The name “Echigoya” was publicised by means of “flyers” and branded loan umbrellas.
©公益財団法人三井文庫
The Mitsui conglomerate began as a shop dealing in kimono fabrics called “Echigoya”. It was opened in 1673 by Takatoshi Mitsui, a merchant in Edo (now Tokyo).
With the aim of accommodating its customers’ needs, Echigoya introduced many innovative business practices. These included adopting over-the-countersales and the cash-and-carry system which were unheard of in Japan at the time. Furthermore, Mitsui used flyers and umbrellas printed with the shop’s name to publicise his business.
Mitsui also focused on customer-centric business management and brand strategy, and sought to boost employee motivation and satisfaction through personality-oriented performance evaluations. These pioneering approaches laid the foundation for Mitsui’s subsequent success and prosperity.

“Echigo-ya” Drapery Store in the Edo Era
©公益財団法人三井文庫

“Echigo-ya” Drapery Store in the Edo Era
©公益財団法人三井文庫

“Echigo-ya” Drapery Store in the Edo Era
©公益財団法人三井文庫
The history of Sumitomo began in the 17th century when Masatomo Sumitomo opened a book and medicine shop in Kyoto. Sumitomo gradually diversified into copper mining and trading, banking and heavy industry.
In 1690, Sumitomo discovered the Besshi Copper Mine in Ehime Prefecture which turned out to be one of the largest copper mines in the world. This major discovery contributed significantly to Japan’s economic development. However, the mining operations also impacted the environment. To help reduce this, Sumitomo planted more than one million trees and even relocated the copper refinery to an uninhabited island.
Sumitomo’s approach of contributing to the development of national and regional economies while also addressing environmental issues sowed the seeds for our corporate social responsibility initiatives of today.
Our Promise
At MSIG, you are at the heart of all we do. That is why we go above and beyond to deliver excellent service to you.
Fast and fair claims
- Our emergency hotlines are open 24/7 so you can reach out to us whenever you need assistance.
- Our claims process is simple so that you don’t have to spend any extra time and effort to make a claim.
- We make good on our promise to help recover loss and set things right by working hand‑in‑hand with you for a fair claim resolution.
Feedback Process
Let us know what we have done well and how we can serve you better. We have a sound feedback management process in place. You can be assured that all your feedback will be treated with the greatest confidentiality and handled fairly and promptly:
- We will acknowledge your feedback within 1 working day.
- We will provide our first reply to you within 3 working days and, where possible, our final reply within 7 working days from the date we receive your feedback.
- If we need a longer time to look into your feedback, we will let you know and provide you with an interim update every 5 working days.
Our feedback management process includes:
- A service quality team dedicated to investigating all feedback.
- Senior management review of all customer feedback to ensure proper handling.
- Improvement actions which we will put in place to continually enhance our service.
If the outcome of your complaint is not handled to your satisfaction, you may email our Chief Executive Officer at [email protected]. We will look into your appeal and respond within 7 working days.
If the outcome is still not to your satisfaction, you may wish to approach the Financial Industry Disputes Resolution Centre (FIDReC), an independent body set up to help with dispute resolution between consumers and financial institutions.