Abstract
This study analyzes the non-life insurance business of Agricultural Cooperatives in Japan(JA), especially focusing on home and automobile insurances in comparison to the performances of private insurance companies. The long-term incidence of fires and traffic accidents and the loss ratios(insurance claim / premium)are examined. The analyses conclude that JA formerly had the advantage because the incidence rates and the amount of damage were low in rural areas and JA had not been subject to the same regulations as non-life insurance companies. But those favorable situations for JA have almost disappeared since 2000s under several structural changes.
