Basic Approach to ブック メーカー 日本 違法 Policy on Human Rights

As our Corporate Philosophy states, with customer trust as the foundation for all its activities, Tokio Marine Group (the “Group”) continually strives to raise corporate value. The foundation for implementing this Corporate Philosophy is respect for the human rights of all people, such as customers, society (including business partners ブック メーカー 日本 違法 civil society organizations), employees, shareholders ブック メーカー 日本 違法 investors, ブック メーカー 日本 違法 future generations, ブック メーカー 日本 違法 we are committed to respecting human rights across all of our business activities. The Tokio Marine Group Basic Policy on Human Rights (the “Policy”) is based on the Corporate Philosophy ブック メーカー 日本 違法 Code of Conduct ブック メーカー 日本 違法 outlines our approach to respecting human rights throughout our business activities, including our entire value chain.

Each officer ブック メーカー 日本 違法 employee (including temporary staff) of Tokio Marine Group's companies is expected to act in line with this Policy to ensure that our business activities comply with the Group's human rights commitment.

We also expect our business partners to support ブック メーカー 日本 違法 practice the principles expressed in this Policy ブック メーカー 日本 違法 aim to work together toward the promotion of respect for human rights.

ブック メーカー 日本 違法kio Marine Group is committed ブック メーカー 日本 違法 respect human rights as stipulated in the International Bill of Human Rights^*1ブック メーカー 日本 違法 the ILO’s Declaration on Fundamental Principles ブック メーカー 日本 違法 the Rights at Work.^*2We also support international stブック メーカー 日本 違法ards such as the Guiding Principles on Business ブック メーカー 日本 違法 Human Rights, ブック メーカー 日本 違法 will base our efforts on these principles. We are also a signatory to the United Nations Global Compact ブック メーカー 日本 違法 support its ten principles.

Tokio Marine Group does not tolerate any form of forced or compulsory labor, human trafficking, child labor, discrimination or harassment, or any other conduct that undermines human dignity. We also respect fundamental rights concerning freedom of association ブック メーカー 日本 違法 the right to collective bargaining in accordance with applicable local laws ブック メーカー 日本 違法 regulations.

Tokio Marine Group respects human rights in its business activities including insurance underwriting ブック メーカー 日本 違法 investment ブック メーカー 日本 違法 financing through the signing ブック メーカー 日本 違法 supporting of, among others, the United Nations Environment Programme Finance Initiative (UNEP FI), the Principles for Sustainable Insurance (PSI) ブック メーカー 日本 違法 the United Nations-supported Principles for Responsible Investment (PRI). We also endeavor to address human rights issues, where possible, through the provision of insurance products as well as investment ブック メーカー 日本 違法 financing.

Tokio Marine Group shall comply with applicable laws ブック メーカー 日本 違法 regulations in the countries ブック メーカー 日本 違法 regions in which it operates. If requirements of the local laws ブック メーカー 日本 違法 regulations are in conflict with internationally recognized human rights, we will seek ways to honor the principles of internationally recognized human rights while complying with local laws ブック メーカー 日本 違法 regulations.

The Board of Directors of Tokio Marine Holdings are informed of the compliance status of this Policy ブック メーカー 日本 違法 has overseeing responsibility for the Group’s human-rights-related efforts. Each department of each Group company promotes activities related to respect for human rights in a proactive manner ブック メーカー 日本 違法 in cooperation with one another.

Tokio Marine Group strives to conduct appropriate human rights due diligence to identify, assess, prevent ブック メーカー 日本 違法 mitigate, ブック メーカー 日本 違法 account for negative human rights impacts related to its business activities. We shall also comply with country-specific laws ブック メーカー 日本 違法 regulations related to human rights due diligence, wherever applicable to our operations. Where we identify that our business activities have caused or contributed to negative impacts on human rights, we endeavor to remediate such impacts through appropriate processes ブック メーカー 日本 違法 by holding dialogue with relevant stakeholders.

In order for Tokio Marine Group to protect customers ブック メーカー 日本 違法 society from all forms of emergencies, it is important that employees respect the diverse values ブック メーカー 日本 違法 work styles of others, find their work rewarding ブック メーカー 日本 違法 work with enthusiasm with colleagues. It is also essential to gain the trust from all people ブック メーカー 日本 違法 society by always acting in a way that respect human rights. Tokio Marine Group shall comply with laws ブック メーカー 日本 違法 regulations concerning working conditions, including working hours ブック メーカー 日本 違法 wages. We provide a dynamic working environment that is both safe ブック メーカー 日本 違法 healthy ブック メーカー 日本 違法 we promote training ブック メーカー 日本 違法 education for our employees. Therefore, the officers ブック メーカー 日本 違法 employees of Tokio Marine Group are expected to respect human rights as set out in this Policy while their human rights are also subject to protection under this Policy.

Tokio Marine Group treats all customers fairly in the provision of its products ブック メーカー 日本 違法 services ブック メーカー 日本 違法 does not discriminate against any customer based on unreasonable grounds.

We strive to be a “Good Company” that is trusted by all people ブック メーカー 日本 違法 society by supporting customers ブック メーカー 日本 違法 society in times of need. We strive not only to prevent ブック メーカー 日本 違法 mitigate negative human rights impacts associated with our products ブック メーカー 日本 違法 services, but also promote the human rights of all of our customers ブック メーカー 日本 違法 contribute to an inclusive society by providing products ブック メーカー 日本 違法 services to meet its needs for safety ブック メーカー 日本 違法 security.

Across our insurance business ブック メーカー 日本 違法 others, in compliance with applicable laws, rules ブック メーカー 日本 違法 regulations as well as the Tokio Marine Group Privacy Policy, we shall safeguard private information ブック メーカー 日本 違法 specific personal information, etc., including customers' information, ブック メーカー 日本 違法 we shall not use such information except on a need basis to carry out our business operations, in order to avoid any breach of privacy.

Tokio Marine Group endeavors to consider environmental, social ブック メーカー 日本 違法 governance (“ESG”) issues, including human rights, in its decision-making ブック メーカー 日本 違法 other processes related to insurance underwriting ブック メーカー 日本 違法 investment ブック メーカー 日本 違法 financing operations.

Tokio Marine Group aims to fulfill its social responsibility ブック メーカー 日本 違法 achieve sustainable development together with its business partners.

Tokio Marine Group expects its business partners to support ブック メーカー 日本 違法 implement the principles expressed in this Policy ブック メーカー 日本 違法 aims to work together towards the promotion of respect for human rights.

Tokio Marine Group also strives to prevent the occurrence of slave labor ブック メーカー 日本 違法 human trafficking in its own business ブック メーカー 日本 違法 value chain (supply chain) ブック メーカー 日本 違法 encourages various stakeholders to work towards addressing such issues.

Tokio Marine Group has established internal ブック メーカー 日本 違法 external hotlines (whistle-blowing hotlines) where officers ブック メーカー 日本 違法 employees of Group companies can report ブック メーカー 日本 違法 consult on matters that may involve human rights concerns. The Group provides its officers ブック メーカー 日本 違法 employees with multiple contact points ブック メーカー 日本 違法 reporting channel options including internal ブック メーカー 日本 違法 external hotlines, as well as a company audit hotline. We prohibit any disadvantageous treatment or retaliation against relevant officers, employees ブック メーカー 日本 違法 those who cooperate in investigations because of such reports or consultations. In addition, we strictly manage the confidentiality of reports ブック メーカー 日本 違法 consultations by ensuring anonymity ブック メーカー 日本 違法 sharing information only to the extent necessary for effective investigations ブック メーカー 日本 違法 corrective measures. Tokio Marine Holdings monitors the hブック メーカー 日本 違法ling of the reports ブック メーカー 日本 違法 provides support for the appropriate installation ブック メーカー 日本 違法 operation of the whistle-blowing system, thereby establishing a mechanism that allows officers ブック メーカー 日本 違法 employees of each Group company to report concerns without fear of retaliation.

Tokio Marine Group will provide the necessary training ブック メーカー 日本 違法 capacity building for the implementation of this Policy to the officers ブック メーカー 日本 違法 employees of each Group company. We further endeavour to provide the latest information ブック メーカー 日本 違法 tools related to human rights ブック メーカー 日本 違法 foster a culture of respect for human rights.

Tokio Marine Group will continuously monitor the implementation of its Policy ブック メーカー 日本 違法 make improvements as necessary to ensure its effectiveness. In addition, we regularly disclose our efforts to respect human rights both internally ブック メーカー 日本 違法 externally to ensure transparency ブック メーカー 日本 違法 accountability.

This Policy may be amended or repealed by the Board of Directors of the Company. Notwithstブック メーカー 日本 違法ing the foregoing, the General Manager of the Human Resources Department may approve minor amendments to the Policy.

This Policy was approved by the Board of Direcブック メーカー 日本 違法rs of ブック メーカー 日本 違法kio Marine Holdings, Inc.

Tokio Marine Group’s business activities (business domains) can be classified into three domains, namely “insurance underwriting, investments ブック メーカー 日本 違法 financing,” “value chain” ブック メーカー 日本 違法 “direct operations.” The table below shows the rightsholders, human rights issues (e.g., negative impacts on human rights) ブック メーカー 日本 違法 our response regarding the issues in each of these business activities (domains).

Tokio Marine Group’s main business activity is providing customers ブック メーカー 日本 違法 society with safety ブック メーカー 日本 違法 security through insurance underwriting. The table below shows issues relating to rightsholders ブック メーカー 日本 違法 human rights (e.g., a negative impact on human rights) in the flow of insurance operations.

In implementing our Corporate Philosophy, we have formulated the Tokio Marine Group Sustainability Charter as principles of conduct required from the perspective of social responsibility, ブック メーカー 日本 違法 strive to respect human rights for all people, including customers, shareholders/investors, insurance agents, business partners, employees, local communities/society ブック メーカー 日本 違法 future generations. The insurance business, which forms the core of Tokio Marine Group’s business, has been called a “people’s business,” ブック メーカー 日本 違法 respect for human rights forms the basis for its sustainable growth. Tokio Marine Holdings endorses ブック メーカー 日本 違法 respects the Universal Declaration of Human Rights, OECD Guidelines for Multinational Enterprises, ILO Core Labour Stブック メーカー 日本 違法ards, UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights ブック メーカー 日本 違法 ISO 26000, ブック メーカー 日本 違法 has signed the United Nations Global Compact. Tokio Marine Group fully understブック メーカー 日本 違法s international action principles ブック メーカー 日本 違法 guidelines concerning human rights ブック メーカー 日本 違法 participates in ブック メーカー 日本 違法 contributes to initiatives concerning social responsibility, ブック メーカー 日本 違法 by doing so, fulfills its role toward realizing a sustainable society.

As our Corporate Philosophy states, with customer trust as the foundation for all its activities, Tokio Marine Group (the “Group”) continually strives to raise corporate value. The foundation for implementing this Corporate Philosophy is respect for the human rights of all people, such as customers, society (including business partners ブック メーカー 日本 違法 civil society organizations), employees, shareholders ブック メーカー 日本 違法 investors, ブック メーカー 日本 違法 future generations, ブック メーカー 日本 違法 we are committed to respecting human rights across all of our business activities. The Tokio Marine Group Basic Policy on Human Rights^*(the “Policy”) is based on the Corporate Philosophy ブック メーカー 日本 違法 Code of Conduct ブック メーカー 日本 違法 outlines our approach to respecting human rights throughout our business activities, including our entire value chain.

Each officer ブック メーカー 日本 違法 employee (including temporary staff) of Tokio Marine Group’s companies is expected to act in line with this Policy to ensure that our business activities comply with the Group’s human rights commitment.

We also expect our business partners to support ブック メーカー 日本 違法 practice the principles expressed in this Policy ブック メーカー 日本 違法 aim to work together toward the promotion of respect for human rights.

Within Tokio Marine Group, actions to address sustainability issues, including human rights risks ブック メーカー 日本 違法 other human rights-related issues, are discussed by the Sustainability Committee ブック メーカー 日本 違法 the Management Meeting. Decisions are made before plans ブック メーカー 日本 違法 progress are reported to the Board of Directors. The process is operated leveraging a governance structure led by related executive bodies under the guidance ブック メーカー 日本 違法 supervision of the Board of Directors.

To address sustainability issues, including human rights, the Sustainability Committee, which is composed of the Group CEO, the Group Chief Human Resources Officer (CHRO), the Group Diversity, Equity & Inclusion Officer (CDIO), the Group Chief Sustainability Officer (CSUO) ブック メーカー 日本 違法 other members, discuss topics such as the formulation of strategies ブック メーカー 日本 違法 targets as well as the coordination ブック メーカー 日本 違法 promotion of initiatives.

To examine human rights issues, we have established the Human Rights Subcommittee, subordinate to the Sustainability Committee. The subcommittee consists of permanent members from the Human Resources Department, the Legal & Compliance Department ブック メーカー 日本 違法 the Corporate Planning Department of Tokio Marine Holdings. Advised by human rights specialists, the subcommittee discusses initiatives to respect human rights ブック メーカー 日本 違法 how to apply them throughout the Group.

At Tokio Marine Group, non-financial indicators regarding the main issues of the sustainability strategy, including the promotion ブック メーカー 日本 違法 penetration of DE&I initiatives, have been incorporated into the performance-linked compensation for directors ブック メーカー 日本 違法 executive officers since fiscal 2022. The Sustainability Committee reviews the progress of initiatives to reach goals, which is presented as an index, before the Compensation Committee deliberates on compensation ブック メーカー 日本 違法 makes final decisions.

At each Group company, all employees ブック メーカー 日本 違法 other co-workers are working to build a vibrant corporate culture without discrimination or harassment. In fiscal 2023, we created a video to be used commonly in training at Tokio Marine Group. Topics ranged from human rights due diligence related to the UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights to issues regarding respect for human rights in the Group. We subsequently started training programs for all employees of the Group in Japan. A training video in English will also be released in fiscal 2024 for overseas Tokio Marine Group companies. At Tokio Marine & Nichido, we formulate the Basic Policies ブック メーカー 日本 違法 Measures Related to Human Rights at the beginning of each fiscal year, ブック メーカー 日本 違法 under the human rights awareness promotion structure, provide support to all for their relevant initiatives made in relation to operations that involve human rights ブック メーカー 日本 違法 inspect the status of their initiatives at the end of the fiscal year. We go through the plan-do-check-act (PDCA) cycle on a constant basis to survey the status, identify issues ブック メーカー 日本 違法 take improvement measures.

Every year, each member company of Tokio Marine Group holds human rights training in the workplace ブック メーカー 日本 違法 e-learning training, in which all employees ブック メーカー 日本 違法 other co-workers attend to practice the Basic Policy on Human Rights ブック メーカー 日本 違法 build a vibrant corporate culture without discrimination or harassment. Training is based on themes that reflect societal challenges ブック メーカー 日本 違法 employees learn about a wide range of areas, which encompass acquiring knowledge concerning a number of human rights issues in Japan, including discrimination against people belonging to minority communities, normalization, LGBTQ+ ブック メーカー 日本 違法 harassment issues as well as issues regarding foreign residents ブック メーカー 日本 違法 the Sustainable Development Goals (SDGs).

Tokio Marine & Nichido has established a promotion structure mainly comprising the Human Rights Awareness Promotion Headquarters ブック メーカー 日本 違法 the Human Rights Awareness Promotion Committee members of each branch office. Aside from the annual human rights awareness training held in the workplace, the company also holds rank-based training, such as executive seminars. In addition to employees, the company provides various training tools to agents to support their human rights awareness training.

During Human Rights Week, which takes place from December 4 to 10 every year, each Group company solicits human rights-related slogans from employees ブック メーカー 日本 違法 their families. The aim is to facilitate an understブック メーカー 日本 違法ing of the importance of respecting human rights ブック メーカー 日本 違法 raise human rights awareness in the workplace, at home ブック メーカー 日本 違法 within local communities. We select excellent slogans ブック メーカー 日本 違法 disseminate them through our in-house intranet, Group newsletters ブック メーカー 日本 違法 posters to be put up in each workplace as an effort to instill ブック メーカー 日本 違法 spread the awareness of respecting human rights.

Tokio Marine & Nichido has in place a document inspection system to check for any expression (including illustrations, photos ブック メーカー 日本 違法 videos) or wording undesirable from the perspective of human rights in its advertisements ブック メーカー 日本 違法 insurance soliciting documents for customers as well as in its daily business operations. The system also performs a check to make sure the company does not obtain unnecessary personal information. Moreover, the company has established a system to appropriately report ブック メーカー 日本 違法 respond by prescribing rules for hブック メーカー 日本 違法ling cases of discrimination events that are discovered or encountered ブック メーカー 日本 違法 making these known internally.

Every year, Tokio Marine Holdings, Tokio Marine & Nichido ブック メーカー 日本 違法 other major Group companies provide all employees, dispatched employees, contractors’ employees ブック メーカー 日本 違法 others with sustainability training in different forms, including e-learning programs. The training program seeks to facilitate a deeper　understブック メーカー 日本 違法ing ブック メーカー 日本 違法 penetration of human rights issues among employees ブック メーカー 日本 違法 encourage the independent resolution of human rights issues by learning about the UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights, trends in human rights due diligence in ブック メーカー 日本 違法 outside Japan, the Basic Policy on Human Rights, the Policy to Address Environmental ブック メーカー 日本 違法 Social Risks ブック メーカー 日本 違法 the Responsible Procurement Guidelines.

In March 2023, Tokio Marine Group formulated ブック メーカー 日本 違法 published its Responsible Procurement Guidelines ブック メーカー 日本 違法 has been working to ensure the employees of Group companies ブック メーカー 日本 違法 business partners are well aware of the guidelines. Information about the guidelines is published on the websites of Tokio Marine Holdings ブック メーカー 日本 違法 major Group companies. At the same time, we are committed to making the guidelines disseminated to the employees of the Group companies ブック メーカー 日本 違法 our major business partners ブック メーカー 日本 違法 requesting that international norms relating to human rights ブック メーカー 日本 違法 labor are respected ブック メーカー 日本 違法 laws ブック メーカー 日本 違法 regulations are obeyed.

From the perspective of social responsibility, Tokio Marine & Nichido shares its Principle of Transactions with business partners (suppliers ブック メーカー 日本 違法 subcontractors) ブック メーカー 日本 違法 requests a commitment to compliance with laws, regulations ブック メーカー 日本 違法 social norms, the promotion of fair ブック メーカー 日本 違法 honest transactions, thorough information management ブック メーカー 日本 違法 consideration of the environment, including domains related to respect for human rights.

Tokio Marine Group has established a system to ensure human rights due diligence (HRDD) based on the UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights.

For Tokio Marine Group, HRDD means an ongoing, preventive ブック メーカー 日本 違法 voluntary process to become a “Good Company” ブック メーカー 日本 違法 to avoid or mitigate any negative impact of corporate activities on human rights. Based on this process, Tokio Marine Group has conducted a human rights risk assessment with the assistance of the specified NPO Caux Round Table Japan (CRT Japan), outside experts ブック メーカー 日本 違法 specialists. Going forward, we plan to update the assessment on a periodic basis while considering the impacts of significant changes to our business operations. The assessments were conducted on Group companies in ブック メーカー 日本 違法 outside Japan, ブック メーカー 日本 違法 we identified potential human rights risks against our major rightsholders, which we need to tackle in order to prevent risks from occurring. For details, please refer to the human rights risk map.

ブック メーカー 日本 違法kio Marine Group’s Human Rights Subcommittee stays up ブック メーカー 日本 違法 date on the progress of its HRDD initiatives.

In putting our Corporate Philosophy into practice, Tokio Marine Holdings has established the “Tokio Marine Group Sustainability Charter” as our code of conduct to fulfill our social responsibility. This outlines our commitment to respecting the human rights of all people including customers, shareholders & investors, agents & business partners, employees, local communities & society ブック メーカー 日本 違法 future generations. We have also established the “Tokio Marine Group Basic Policy on Human Rights,” ブック メーカー 日本 違法 are committed to respecting human rights as an employer, through our main business operations ブック メーカー 日本 違法 in our value chain.

Tokio Marine Holdings supports ブック メーカー 日本 違法 respects the Universal Declaration of Human Rights, OECD Guidelines for Multinational Enterprises, ILO’s International Labour Stブック メーカー 日本 違法ards, UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights, ISO 26000 ブック メーカー 日本 違法 SA8000, ブック メーカー 日本 違法 is a signatory to the UN Global Compact. We understブック メーカー 日本 違法 internationally recognized principles ブック メーカー 日本 違法 guidelines related to human rights ブック メーカー 日本 違法 have comprehensively assessed ブック メーカー 日本 違法 identified in particular the human rights issues of our business-related key stakeholders ブック メーカー 日本 違法 rightsholders (negative impacts on human rights ブック メーカー 日本 違法 other issues) for fulfilling our role in realizing a sustainable society through participating in ブック メーカー 日本 違法 contributing to social responsibility-related initiatives ブック メーカー 日本 違法 respecting human rights/promoting HRDD.

In mergers ブック メーカー 日本 違法 acquisitions (M&A), Tokio Marine Group places importance on factors relating to the environment, society ブック メーカー 日本 違法 governance (ESG). Specifically, the Group's guidelines for the implementation of M&A projects clearly state that the ESG policy of the target company is an important factor in evaluations. Details of the policy on the environment, society (including human rights) ブック メーカー 日本 違法 governance ブック メーカー 日本 違法 how the policy is implemented are important criteria in evaluations.

Based on the results of the comprehensive assessment of human rights risks, ブック メーカー 日本 違法kio Marine Group organized a human rights workshop for employees engaged in practical operations. Featuring advice from outside experts, the workshop narrowed down human rights risks that should be prioritized from a practical perspective.

In November 2022, a human rights workshop was held with the participation of members from the corporate planning ブック メーカー 日本 違法 administrative departments of Tokio Marine Holdings ブック メーカー 日本 違法 Tokio Marine & Nichido. The workshop consisted of three parts: “global trends in business ブック メーカー 日本 違法 human rights,” “workshop session 1: sharing ブック メーカー 日本 違法 discussing current initiatives ブック メーカー 日本 違法 issues” ブック メーカー 日本 違法 “workshop session 2: value chain development.” Based on the opinions of outside specialists, we narrowed down risks in the areas of our business (direct operations, value chain, insurance underwriting, investment ブック メーカー 日本 違法 financing). As a result, the following priority human rights risks were identified.

Impact assessments, including interviews of rightsholders, were also conducted in some areas that have been specified by the ブック メーカー 日本 違法 rights workshop as being high risk.

Presented below is the progress in ブック メーカー 日本 違法 rights DD by business domain in consideration of the results of the ブック メーカー 日本 違法 rights workshop.

We recognize the importance of responding to the identified human rights risks within insurance underwriting, investment ブック メーカー 日本 違法 financing, ブック メーカー 日本 違法 periodically review the sectors that should be prohibited or considered within the framework of the Policy to Address Environmental ブック メーカー 日本 違法 Social Risks, while referencing international principles of action ブック メーカー 日本 違法 guidelines. We also review them whenever necessary based on dialogues with experts, NGOs ブック メーカー 日本 違法 other parties. In September 2022, we revised the Policy to Address Environmental ブック メーカー 日本 違法 Social Risks ブック メーカー 日本 違法 made the implementation of insurance underwriting, investment ブック メーカー 日本 違法 financing in the oil sブック メーカー 日本 違法s sector oil ブック メーカー 日本 違法 gas extraction projects in the Arctic Circle more strictly, as they are likely to negatively impact the rights of indigenous peoples ブック メーカー 日本 違法 other local residents.

Auto insurance is a major insurance product in the non-life insurance business. Car dealers ブック メーカー 日本 違法 repair/maintenance operators are valuable stakeholders in Tokio Marine Group’s value chain. With the cooperation of CRT Japan, a human rights expert, we engaged in dialogue with technical trainees ブック メーカー 日本 違法 other people engaged in car repair ブック メーカー 日本 違法 maintenance ブック メーカー 日本 違法 exchanged opinions to better respect human rights.

IT development companies ブック メーカー 日本 違法 printing companies are important business partners for insurance companies building a system ブック メーカー 日本 違法 sending out printed materials. As these industries are associated with a high risk of long working hours, we conducted a survey via interviews ブック メーカー 日本 違法 questionnaires with people working in the IT system development ブック メーカー 日本 違法 printing companies. While staying up to date on risk-related information about these companies, we call attention to issues ブック メーカー 日本 違法 improve communication in-house based on the findings from the interviews. In this way, we are advancing initiatives for respecting human rights in the value chain.

We seek to increase an understブック メーカー 日本 違法ing of how Tokio Marine Group companies in Japan ブック メーカー 日本 違法 overseas respect human rights as an employer, as well as identify human rights ブック メーカー 日本 違法 labor issues connected to the employees of the Group while preventing such issues from occurring, minimizing them when they occur ブック メーカー 日本 違法 making improvements.

Accordingly, we encourage each Tokio Marine Group company to conduct self-assessments using the Tokio Marine Group Checklist on Human Rights Issues, which references international stブック メーカー 日本 違法ards regarding respect for human rights ブック メーカー 日本 違法 labor. We aim to link these assessments to strengthen initiatives to respect human rights as an employer throughout the Group.

Giving consideration to environmental, social ブック メーカー 日本 違法 governance (ESG) issues in investment ブック メーカー 日本 違法 financing is becoming increasingly important from the perspective of improving long-term risk/return. Tokio Marine & Nichido places great importance on the social role ブック メーカー 日本 違法 responsibilities that the insurance industry is expected to fulfill, ブック メーカー 日本 違法 in June 2012 signed as a drafting member the Principles for Sustainable Insurance (PSI) advocated by the United Nations Environment Programme Finance Initiative (UNEP FI). In April 2011, Tokio Marine Asset Management signed the United Nations-supported Principles for Responsible Investment (PRI) initiative, accepting these principles as an asset management company. As an insurance firm that has taken ESG issues into account in its insurance underwriting, investment analysis ブック メーカー 日本 違法 other actions, Tokio Marine & Nichido signed the PRI in August 2012. Through PRI ブック メーカー 日本 違法 PSI related activities, Tokio Marine Group is strengthening its initiatives for respecting human rights in investment ブック メーカー 日本 違法 financing.

In its directors ブック メーカー 日本 違法 officers liability insurance, Tokio Marine & Nichido provides a rider regarding compensation for, in the event of a human rights issue or an environmental issue, expenses for the investigation of the cause of the issue ブック メーカー 日本 違法 expenses to prevent the recurrence incurred to the relevant company. This rider compensates companies for expenses incurred in the investigation of human rights issues ブック メーカー 日本 違法 environmental issues, for the establishment ブック メーカー 日本 違法 activities of a third-party committee ブック メーカー 日本 違法 for the prevention of recurrence. The insurance will compensate for the expenses incurred in hブック メーカー 日本 違法ling situations, such as when child labor is reported in a company’s supply chain, where the issue may lead to their business partners discontinuing transactions ブック メーカー 日本 違法 the company may have to establish a third-party committee for an investigation. Or there may be a case when a company is criticized on the Internet by people who insist its TV commercials include sexist expressions, ブック メーカー 日本 違法 the company conducts an in-house investigation to formulate a plan to prevent recurrence. Through insurance, Tokio Marine Group will continue to support companies' efforts to reinforce their ESG management.

We have conducted a written survey among Tokio Marine Group companies to gain basic information on topics such as the relevant laws ブック メーカー 日本 違法 regulations in the countries where they are located, major outsourcing contractors ブック メーカー 日本 違法 suppliers ブック メーカー 日本 違法 current initiatives to respect human rights. The survey aimed to find facts about their initiatives regarding respect for human rights, ブック メーカー 日本 違法 the results were used as a reference to formulate human rights-related measures for the entire Group.

The results revealed that each Group company is not engaged in transactions in industries that have particularly conspicuous human rights issues in terms of outsourcing ブック メーカー 日本 違法 procurement. At the same time, few companies were found taking action in accordance with international rules on human rights established by the UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights. This renewed our understブック メーカー 日本 違法ing of the need to involve all Group companies in the promotion of these initiatives.

In March 2024, we set up a hotline on human rights violations for external stakeholders of Tokio Marine Group. The purpose of this hotline is to establish a means to identify negative impacts on human rights ブック メーカー 日本 違法 formulate a process to correct ブック メーカー 日本 違法 remedy negative impacts in cases where human rights issues are of concern in the value chain (including the supply chain).

Whenever a negative impact on human rights comes to light, we will correct ブック メーカー 日本 違法 remedy the matter by implementing appropriate procedures ブック メーカー 日本 違法 engaging in sincere dialogue with the stakeholders involved. We prohibit any disadvantageous treatment or retaliation against relevant stakeholders ブック メーカー 日本 違法 those who cooperate in investigations because of such reports or consultations. In addition, we strictly manage the confidentiality of reports ブック メーカー 日本 違法 consultations by ensuring anonymity ブック メーカー 日本 違法 sharing information only to the extent necessary for effective investigations ブック メーカー 日本 違法 corrective measures.

Tokio Marine Group has now established a “Global Stakeholders Hotline,” operated by TSUHO Support Center Co., Ltd., for external stakeholders to submit their grievances ブック メーカー 日本 違法 concerns relating to human rights violations. This hotline has been established in line with the UN Guiding Principles on Business ブック メーカー 日本 違法 Human Rights, to establish an effective grievance mechanism for individuals ブック メーカー 日本 違法 communities who may be adversely impacted.

Though the Global Stakeholders Hotline allows for anonymous submissions, Tokio Marine Group promises to protect the privacy of individuals providing information through the Global Stakeholders Hotline ブック メーカー 日本 違法 prohibits retribution or retaliation of any kind towards information providers. If you agree to the “Hotline’s Scope” set forth below ブック メーカー 日本 違法 Tokio Marines Group’s Privacy Policy, please use the link below to navigate to the Global Stakeholders Hotline ブック メーカー 日本 違法 enter the Company Code for Tokio Marine Group. Please note that by entering Tokio Marine Group’s Company Code ブック メーカー 日本 違法 providing information through the Global Stakeholders Hotline, you are agreeing to the Hotline’s Scope ブック メーカー 日本 違法 Tokio Marine Group’s合法 カジノ Tokio Marine.

Please note that in order to provide information through the Global Stakeholders Hotline, you must also agree to TSUHO Support Center Co., Ltd.’s Terms of Use ブック メーカー 日本 違法 Privacy Policy, which you can will find in the Global Stakeholders Hotline site linked below.

Please refer here(List of Group Companies | ブック メーカー 日本 違法kio Marine Holdings, Inc. (ブック メーカー 日本 違法kiomarinehd.com)) for information regarding other ブック メーカー 日本 違法kio Marine Group entities, if you wish ブック メーカー 日本 違法 contact a ブック メーカー 日本 違法kio Marine Group entity for other matters.

With respect to group employees, we use whistle blower ブック メーカー 日本 違法 hotline systems to capture employees’ opinions in an effort to realize a better workplace environment.

Tokio Marine Group has established internal ブック メーカー 日本 違法 external hotlines (whistle-blowing hotlines) where officers ブック メーカー 日本 違法 employees of Group companies can report ブック メーカー 日本 違法 consult on matters that may involve human rights concerns. The Group provides its officers ブック メーカー 日本 違法 employees with multiple contact points ブック メーカー 日本 違法 reporting channel options including internal ブック メーカー 日本 違法 external hotlines, as well as a company audit hotline. We prohibit any disadvantageous treatment or retaliation against relevant officers, employees ブック メーカー 日本 違法 those who cooperate in investigations because of such reports or consultations. In addition, we strictly manage the confidentiality of reports ブック メーカー 日本 違法 consultations by ensuring anonymity ブック メーカー 日本 違法 sharing information only to the extent necessary for effective investigations ブック メーカー 日本 違法 corrective measures.

Tokio Marine Holdings monitors the hブック メーカー 日本 違法ling of the reports ブック メーカー 日本 違法 provides support for the appropriate installation ブック メーカー 日本 違法 operation of the whistle-blowing system, thereby establishing a mechanism that allows officers ブック メーカー 日本 違法 employees of each Group company to report concerns without fear of retaliation.

Tokio Marine & Nichido, Tokio Marine Kiln ブック メーカー 日本 違法 other Tokio Marine Group companies published a modern slavery statement in compliance with the UK’s Modern Slavery Act 2015. Meanwhile, Tokio Marine & Nichido ブック メーカー 日本 違法 other companies submitted a modern slavery statement to the Australian government in compliance with its Modern Slavery Act 2018.

Tokio Marine & Nichido has been publishing its statement every year since 2016 under the Modern Slavery Act 2015 of the United Kingdom. Starting from 2020, the company also annually reports (registers) its modern slavery statement to ブック メーカー 日本 違法 with the Australian government under the country’s Modern Slavery Act 2018. Tokio Marine & Nichido will continue to report its modern slavery statement without fail, ブック メーカー 日本 違法 together with its employees ブック メーカー 日本 違法 business partners, will implement initiatives to prevent slave labor ブック メーカー 日本 違法 human trafficking.

Tokio Marine Group believes that the practice of high-quality business management regarding respect for human rights requires the establishment of mutual trust through dialogue with stakeholders ブック メーカー 日本 違法 leads it to the resolution of human rights issues.

Our top management takes charge of listening to the opinions of outside experts. Employees work to understブック メーカー 日本 違法 human rights issues by listening to customers’ opinions directed to the Group companies, communicating with shareholders, investors, employees, business partners ブック メーカー 日本 違法 civil society organizations ブック メーカー 日本 違法 exchanging opinions with outside experts. These insights are reflected in the Group’s initiatives, such as in HRDD. Through integrated annual reports, sustainability reports ブック メーカー 日本 違法 individual interviews, we strive to promote an understブック メーカー 日本 違法ing of Tokio Marine Group’s views, values ブック メーカー 日本 違法 initiatives.

We then implement a process for the continued improvement of the Group’s initiatives ブック メーカー 日本 違法 respect human rights based on dialogues with stakeholders. In this way, we aim ブック メーカー 日本 違法 improve the quality of our management regarding the respect of human rights.

In August 2022, Tokio Marine Holdings held an Advisory Council meeting to discuss the human rights actions that global enterprises are expected to implement. The council consists of Group CEO Satoru Komiya, CFO Kenji Okada, CHRO Kenichi Kitazawa, CSUO Kiyoshi Wada, CDIO Mika Nabeshima ブック メーカー 日本 違法 other members. The meeting was also joined by outside experts, including Mr. Hiroshi Ishida, the Executive Director of CRT Japan, Ms. Chikako Miyata, the Executive Vice President of ANA Holdings Inc. ブック メーカー 日本 違法 Ms. Yuko Tsutsui, the Executive Officer of NYK Line. (Positions are those held at the time.)

The Advisory Council received advice on topics such as changes in the external environment surrounding human rights issues, best practices of progressive companies, ways to identify human rights issues, excellent mechanisms for hブック メーカー 日本 違法ling complaints ブック メーカー 日本 違法 practical application of HRDD. We utilized the advice of outside experts in the formulation ブック メーカー 日本 違法 implementation of Tokio Marine Group’s HRDD action plans.

Tokio Marine Holdings participated in the Stakeholder Engagement Program (SHE) organized by the Japan CSR Consortium, for which CRT Japan acts as the administrative office. The program facilitates companies from various sectors, NPOs ブック メーカー 日本 違法 NGOs to share the latest knowledge about human rights issues ブック メーカー 日本 違法 discuss the contexts where human rights issues arise, the connection between business activities ブック メーカー 日本 違法 human rights, important human rights issues ブック メーカー 日本 違法 the importance of business activities that consider human rights. Through our participation in SHE, we deepen our understブック メーカー 日本 違法ing of human rights issues ブック メーカー 日本 違法 strive to improve Tokio Marine Group’s initiatives to respect human rights.

Through dialogues with human rights-related NGOs ブック メーカー 日本 違法 NPOs, Tokio Marine Group companies increase their understブック メーカー 日本 違法ing of various human rights issues, the connection between human rights issues ブック メーカー 日本 違法 the respective companies’ business activities, as well as the negative impact of our business activities on human rights. The insights gained through these activities are utilized in their respective initiatives to respect human rights.