株式会社 justInCaseTechnologies

Market position

The company describes itself as a leading participant in Japan's insurtech sector, building on its group's record of launching novel small-amount short-term insurance products and now supplying systems to major insurers, including as a core system at Tokio Marine X Small-Amount Short-Term Insurance.

The company combines direct operating experience from the group's small-amount short-term insurance business, including product launches described as Japan-firsts such as P2P 'warikan' insurance, with a SaaS system capable of serving as an insurer's core system rather than only a front-end. It pairs system delivery with regulatory and business-establishment consulting for new insurance ventures and adds generative-AI features aimed at online sales conversion and agency compliance.

Technology

joinsure is a cloud-based, SaaS insurance operations platform covering solicitation, policy administration and claims management, designed for fully digital insurance products and API-based integration with partner platforms for embedded insurance. Recent additions apply generative AI: an AI 'drop-off analysis' capability for improving online sales conversion, chatbot-based claims intake, and an AI agent service for corporate agencies. The engineering organization works with Server-Side Kotlin, hosting related community events.

Go-to-market

Direct enterprise sales to insurers and platform companies, complemented by a partner system with major solution providers (Dentsu Soken, GNUS and Agrex) for integration and business development, a capital and business alliance with Agrex, and a business alliance with Aioi Nissay Dowa Insurance. The company also uses consulting entry points such as 少短設立Navi, trade press coverage, industry speaking engagements (including OLIS 2026 Spring and e-Commerce Fair Tokyo 2026) and study sessions for overseas specialist groups.

Insurance companies, including small-amount short-term insurers and large carriers; platform operators such as card issuers, utilities, retailers and travel/airline businesses that distribute embedded insurance to their customers; and corporate insurance agencies.

Geography

Headquartered at 1-8-1 Nihonbashi-Kayabacho, Chuo-ku, Tokyo, Japan, serving Japanese insurers and platform operators; engagement with Asian insurance markets has included a study session for a Singapore specialist group and a speaking slot at the pan-Asian OLIS 2026 Spring event.

History

Founded 23 May 2018 as the system-development arm of the justInCase group, the company raised a Series A of JPY 860 million in 2019 and began supplying joinsure externally, starting with Loyalty Marketing in March 2020 and a SaaS digital insurance platform for insurers from January 2021 — the month of its first revenue. Client rollouts followed across utilities and card issuers (Chubu Electric Power Miraiz Connect, Kansai Electric Power, UCS, VIEW Card) and small-amount short-term insurers. In November 2022 joinsure was selected as the core system for the Tokio Marine Nichido SASTI preparatory company, with production operation of the core system starting in 2023, the same year the 少短設立Navi establishment-support business launched. In 2024 the company announced a partner program with Dentsu Soken, GNUS and Agrex, deployments at JAL and Hokkaido Electric Power, a capital and business alliance with Agrex, and completion of Series B funding totaling about JPY 1.5 billion including venture debt; founding affiliate justInCase became a wholly owned Sony Financial Group subsidiary in December 2024 while joinsure provision continued. Subsequent milestones include Orico (2025), a refreshed mission and values, au Small-Amount Short-Term Insurance (2026), an AI sales-support series and an AI agent service for corporate agencies (2026).