三家日本公司控制着全国88%的财产和伤亡保险市场,面临持续的竞争。 Three Japanese firms control 88% of the nation's property and casualty insurance market, facing ongoing competition.

Tokio Marine、MS&AD保险和Sompo公司控制着日本88%的财产和伤亡保险市场。 Tokio Marine, MS&AD Insurance, and Sompo control 88% of Japan's property and casualty insurance market. 尽管有这种支配地位,这些公司仍面临竞争,因为它们没有巨大的经济优势,而且服务于所有客户部门。 Despite this dominance, these firms face competition as they don't have significant economic advantages and serve all customer segments. 自动保险和消防保险虽然自1996年以来放松管制,但仍必须遵循历史损失成本比率。 Auto and fire insurance policies, though deregulated since 1996, must still follow historical loss cost ratios. 非人寿保险占他们收入的很大一部分。 Nonlife insurance makes up a large portion of their earnings.