Insurance Consulting
Navigating Japanese insurance as a foreign individual or company is complex — policies are in Japanese, structures differ from Western markets, and the wrong coverage can leave significant gaps. La Cuna helps you find, understand, and optimise the right insurance for your situation.
CORPORATE & INDIVIDUAL
BILINGUAL POLICY REVIEW
Insurance that actually protects you
Most international clients in Japan are either under-insured, over-paying, or holding policies they don’t fully understand. We start with a thorough review of your current position, then recommend and implement solutions that genuinely match your goals.
- Independent review of existing policies
- Gap analysis and risk assessment
- Bilingual policy documentation and explanation
- Ongoing claims support and advocacy
- Annual policy optimisation review
wHO THIS IS FOR
Exclusively for Corporate Clients
Our insurance consulting service is available to corporate companies operating in Japan. Whether you’re a newly established foreign entity or an established business looking to optimise coverage, we provide expert guidance tailored to your operational profile.
Online consultations available. Submit your policy documents in advance and we’ll schedule.
INDIVIDUAL COVERAGE
Life Insurance
Protecting the financial future of the people who depend on you. We guide individuals and families through selecting the right life insurance policy — taking into account your income, dependents, existing assets, and long- term goals. Japanese life insurance products vary significantly from Western equivalents. We explain the differences, cut through the complexity, and ensure your family is genuinely protected — not just holding a policy.
- Needs assessment and coverage calculation
- Comparison of suitable products from Japanese providers
- Bilingual policy explanation and documentation
BUSINESS PROTECTION
Corporate Insurance Coverage
Comprehensive insurance solutions for businesses operating in Japan. We assess your operational risks — from employee liability to property, business interruption, and director coverage — and recommend plans that support continuity and resilience. Foreign companies often default to coverage packages that don't align with Japan's specific risk environment. We build corporate coverage that reflects the reality of your operations here.
- Full operational risk assessment
- Property, liability, and business interruption coverage
- Director and officer liability review
- Employee benefit and group insurance structuring
FINANCIAL SAFETY NET
Emergency Fund Consulting
An emergency fund is not just savings , it's a structured financial safety net designed to cover unexpected expenses or income disruptions without derailing your long-term financial position. We help individuals and businesses establish the right emergency reserves alongside appropriate insurance coverage. ensuring that a single unexpected event doesn't create a cascading financial crisis.
- Liquidity needs assessment
- Emergency fund structure and sizing guidance
- Integration with existing insurance coverage
- Ongoing financial safety net review
BUSINESS RISK
Liability Insurance
Liability risk in Japan carries serious financial consequences — and many foreign businesses are inadequately covered. We advise on optimal liability coverage to protect your company against potential claims, legal expenses, and damages arising from business activities. Our solutions are tailored to your specific business type, size, and operational profile — from product liability for manufacturers to professional indemnity for service firms.
- Business type-specific liability assessment
- Product, professional, and public liability coverage
- Legal expense coverage options
- Cross-border liability considerations for international firms
The Consultation Process
A clear, structured process — from initial review to ongoing support.
01
Document Submission
Submit your existing policies and relevant business or personal information ahead of the first call. Online submission is available — no in- person meeting needed at this stage.
02
Initial Consultation
(1 hour)
A structured 60- minute call to understand your situation, goals, and current coverage. We identify the key issues to investigate and outline our review approach.
03
Policy Review
(2–3 Days)
Conducts a thorough bilingual review of your existing policies — identifying gaps, redundancies, mis-priced coverage, and risks that aren't adequately protected.
04
Proposal
A second call to walk through our findings — explaining your current policies, their risks and merits, and our specific recommendations for optimisation or new coverage.
Frequently Asked Questions
Can consultations be conducted online?
Yes — online consultations are fully available. You submit your documents in advance, and we schedule a call at a time that suits you. This is the most common way our international clients engage with us, and the process is just as thorough as an in-person meeting.
How long does an insurance review take?
The initial consultation is approximately one hour. After that, we spend 2–3 days reviewing your policies in detail. We then schedule a second call — typically 60–90 minutes — to present our findings, explain your current coverage, and walk through our recommendations.
Who can use this service?
Our insurance consulting service is exclusively available to corporate companies in Japan. We do not currently offer individual-only insurance consulting outside of our Medical and Expat service packages.
What documents do I need to prepare?
Each insurance situation has specific requirements. Typically, we ask for existing policy documents, company registration details, and a brief operational overview. We'll confirm exactly what to prepare during the initial enquiry process.
Is your business properly protected in Japan?
Book a free initial consultation. We'll assess your current position and tell you exactly where the gaps are — with no obligation to proceed.