Mitsui Sumitomo Insurance (MSIG USA)

MSIG USA sells business insurance in Florida.

Based in Warren, NJ. In Florida since 1989.

Taking new business policies

Florida company code 03592, NAIC 20362.

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Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

A+ (Superior)

From AM Best, as of Oct 25, 2026

Complaints

2 complaints in 2025 (NAIC, nationwide)

NAIC, 2025, nationwide, all lines

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Two choices when your MSIG USA rate goes up

You have two choices. One 5 minute call covers both.

  • Keep MSIG USA, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
  • Shop it. Your new agent checks 80+ companies at every renewal.
Talk to a licensed agent (727) 997-5999

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Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

Is MSIG USA leaving Florida? No sign of it. On Oct 24, 2026 OIR showed them as active, and their site said they are admitted in all 50 states. As of Nov 2, 2026. Source: msigusa.com.

  1. The state gives Mitsui Sumitomo a license

    OIR has the date. Mitsui Sumitomo Insurance USA got a Florida license on July 18, 1989.

See every MSIG USA update

Rate history

No rate filings tracked yet.

Want your MSIG USA renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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37 years in Florida

In Florida since 1989. Has paid claims through 22 hurricanes.

19901995200020052010201520202025Andrew (1992, Category 5 at Florida landfall)Andrew Cat 5Erin (1995, Category 2 at Florida landfall)Erin Cat 2Opal (1995, Category 3 at Florida landfall)Opal Cat 3Earl (1998, Category 1 at Florida landfall)Earl Cat 1Georges (1998, Category 2 at Florida landfall)Georges Cat 2Irene (1999, Category 1 at Florida landfall)Irene Cat 1Charley (2004, Category 4 at Florida landfall)Charley Cat 4Frances (2004, Category 2 at Florida landfall)Frances Cat 2Ivan (2004)IvanJeanne (2004, Category 3 at Florida landfall)Jeanne Cat 3Dennis (2005, Category 3 at Florida landfall)Dennis Cat 3Wilma (2005, Category 3 at Florida landfall)Wilma Cat 3Matthew (2016)MatthewIrma (2017, Category 4 at Florida landfall)Irma Cat 4Michael (2018, Category 5 at Florida landfall)Michael Cat 5Ian (2022, Category 4 at Florida landfall)Ian Cat 4Nicole (2022, Category 1 at Florida landfall)Nicole Cat 1Idalia (2023, Category 3 at Florida landfall)Idalia Cat 3Debby (2024, Category 1 at Florida landfall)Debby Cat 1Helene (2024, Category 4 at Florida landfall)Helene Cat 4Milton (2024, Category 3 at Florida landfall)Milton Cat 3Isaías (2026, Category 2 at Florida landfall)Isaías Cat 2

MSIG USA flood insurance

MSIG USA sells private flood insurance in Florida.They mainly sell to businesses.

Source: Florida Office of Insurance Regulation, Flood Insurance Writers in Florida, read Oct 20, 2026.

Florida flood insurance: who sells it

Compare MSIG USA side by side

MSIG USA side by side with State Farm and Slide
MSIG USA State Farm Slide
New policies Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026
Florida policies Not available 654,641 Florida OIR, Jul 31, 2026 475,227 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 Not available
Complaint index 2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A+ (Superior) AM Best, Oct 25, 2026 A- (Excellent) AM Best A (Exceptional) Demotech, Oct 7, 2026
In Florida since 1989 1934 2022

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Questions people ask about MSIG USA

What is the MSIG USA claims phone number?Call 866-676-6872 to report a claim in the U.S. The line is open Monday to Thursday 7 a.m. to 7 p.m. ET and Friday 7 a.m. to 6 p.m. ET.

You can also report a claim online.

Source: MSIG USA report a claim page, read Oct 24, 2026

What is the Mitsui Sumitomo Insurance phone number?The toll free number at their Warren, New Jersey office is 800-388-1802.

For claims, call 866-676-6872.

Source: MSIG USA contact page, read Oct 24, 2026

Does Mitsui Sumitomo sell workers' comp in Florida?Yes.

OIR lists workers' comp among the Florida lines for both Mitsui Sumitomo companies. Their site lists workers' comp with their business products.

Source: Florida OIR company search and msigusa.com, read Oct 24, 2026

Is Mitsui Sumitomo licensed in Florida?Yes.

OIR lists two Mitsui Sumitomo companies as active in Florida. Their codes are 03592 and 01983. Their site says they are admitted in all 50 states.

Source: Florida OIR company search, read Oct 24, 2026

Can I check on an MSIG USA claim online?Yes.

Their Claims Inquiry system gives you access to your claim files 24/7 once you sign up. You can also call 866-676-6872.

Source: MSIG USA report a claim page, read Oct 24, 2026

Is MSIG USA a good insurance company?Public data only: AM Best rates their main company A+ (Superior).

They affirmed it on June 5, 2026. The NAIC shows 2 complaints in 2025, all lines, against that company. That is Mitsui Sumitomo Insurance Company of America. MSIG USA is part of MS&AD, a big insurance group from Japan.

Source: AM Best rating disclosure for Mitsui Sumitomo Insurance Co of America (AMB 004377), NAIC Consumer Insurance Search, 2025 complaints, and MSIG USA about page, read Oct 25, 2026

Still deciding? Let us shop your MSIG USA renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

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MSIG USA reviews and complaints: what the public data shows

MSIG USA rating

A+ (Superior) from AM Best, as of Oct 25, 2026.

Complaints
2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, all lines. As of Oct 24, 2026.
Years in Florida
Since 1989 (37 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.