Business insurance in Uzbekistan

Insurance of cargo, construction and installation risks, equipment, property and vehicles under pledge or leasing, loans, advance payments and financial risks.

Data collected on 03.11.2026More details

This page lists 45 products from 14 insurance companies: names, descriptions and prices published on the companies’ websites. A price or rate is published for 5 of 45 products; the insurer calculates the rest on its site. Prices are not compared here: terms and coverage differ between programmes.

The information is taken from insurers’ websites and may be out of date. Check conditions, tariffs and the licence status with the insurer. It is not a recommendation or an offer to conclude a contract.

Compulsory types

Alfa Invest Sug‘urta

Product	Description	Price
Compulsory insurance of construction and installation risks (OSMR) ↗ Compulsory	Insurance protection extends to the property interests of the Policyholder (or the Beneficiary) in case of material damage from explosion, fire, lightning strike, ground subsidence, collapse, falling cranes, accidents of utility networks, errors in construction and installation work, collapse of structures. Objects of construction, installation and other works (materials, structures, equipment being installed); by agreement - construction site equipment, machinery, site clearance costs, civil liability during construction and installation works	Calculated on the company’s website

Kafolat Sug‘urta

Product	Description	Price
Compulsory construction risk insurance (CAR) ↗ Compulsory	This type of insurance is compulsory under Resolution of the Cabinet of Ministers No. 532 of 20 December 1999. It is aimed at covering construction risks that may arise in the implementation of construction projects financed from state funds or loans guaranteed by the government. The insurance covers construction sites, installation processes, as well as possible damage to third parties. Coverage of possible losses during construction and installation works; Reduction of liability for damage caused to third parties; Ensuring financial stability and safe completion of the project	Calculated on the company’s website

Other programmes

Apex Insurance

Product	Description	Price
Commercial real estate property insurance ↗ Voluntary Buy online ↗	Insurance of commercial real estate is the protection of buildings, structures and property used in business against the risks of fire, flooding, explosion, natural disasters, unlawful actions and other threats. The policy helps to minimize losses and maintain business stability in case of unforeseen situations. Physical damage to buildings; costs of repair, restoration or full reconstruction after fire, flooding, vandalism or natural disasters; programmes from basic to extended coverage level	Calculated on the company’s website

Aria Sug‘urta

Product	Description	Price
Export insurance ↗ Voluntary	Under this type of insurance, obligations under export and pre-export contracts may be insured, including various types of insurance. Financial obligations under export and pre-export contracts: non-payment or delay of payment by a foreign buyer, insolvency or bankruptcy of the buyer. The sum insured is determined by the export contract and the financing agreement; the payment is made within the sum insured less the deductible	Policy cost for one calendar year - from 0,1% to 1% of the sum insured
Cargo insurance ↗ Voluntary	Cargo can be insured against natural disasters, man-made risks and unlawful acts by malicious persons while in transit and during stops. Damage to or loss of cargo during transportation (natural disasters, man-made risks, unlawful actions en route and at parking places; accidents, fires, emergencies). The sum insured is equal to or lower than the insurable value (the actual value of the cargo); the payout is made within the sum insured less the deductible	Policy cost - from 0,05% to 0,5% of the sum insured
Leased asset insurance ↗ Voluntary	Reliable protection of property transferred under leasing against financial risks. Property transferred under leasing: vehicles, agricultural machinery, production and industrial equipment and other property. The sum insured is the value of the property under the leasing agreement; protection is valid for the entire leasing term; the list of risks is determined taking into account the characteristics of the object	Calculated on the company’s website
Contractual obligation non-performance insurance ↗ Voluntary	Protect your business from financial losses caused by unscrupulous counterparties. Losses of the entrepreneur from non-performance or improper performance of the contract by the counterparty-buyer: non-payment for goods, works, services; bankruptcy of the buyer; termination of the buyer's activity by a court decision or a decision of an authorized body; payment delay. Payout is made after the agreed waiting period has expired	Calculated on the company’s website

Euroasia Insurance

Product	Description	Price
Cargo insurance during transportation ↗	Cargo protection for road, rail, air or sea transportation; terms are calculated based on the value of the shipment, route, transport and coverage.	Rate from 0,1%; there is no single rate, calculated per application
Construction and erection risk (CAR) insurance ↗	Protection of the construction site, materials, equipment and liability to third parties for the period of works; terms are calculated individually based on the project parameters. Site clearance costs in the basic form are limited to 2% of the sum insured	Calculated on the company’s website
Equipment insurance ↗	Machine tools, production lines and equipment of the enterprise: natural disasters, fire, water, theft and, separately, breakdown of the machine tool itself.	From 0,1% of the equipment value per year (usually 0,1-0,5%, typical rate 0,3%)
Loan default risk insurance ↗ Voluntary	Voluntary insurance of class 14 "Credit insurance": the contract is concluded between the bank (the policyholder and beneficiary) and the insurer; protection of the bank in respect of the part of the loan not secured by collateral.	Tariff from 0,2% for the whole loan term (base rate for the most common term in corporate lending - 2,4%)

Gross Sug‘urta

Product	Description	Price
Freight transportation insurance ↗ Buy online ↗	We will reliably protect your goods and cover financial expenses. Cargo insurance protects your goods worldwide when various modes of transport are used (road, rail, air, water and any combination of them). Compensation of financial expenses in case of loss of cargo, damage or spoilage of cargo, or complete destruction of goods during transportation. Protection against all risks - natural disasters, accidents, wrecks, road accidents, explosions, water entering the vessel. The contract is drawn up taking into account the specifics of the shipments.	Calculated on the company’s website
CAR (construction and erection risks) insurance ↗ Buy online ↗	Construction and erection risks insurance - protection of your construction project at every stage. Causing damage to or damage of property at construction sites; harm to the life and health of construction participants or third parties and damage to their property at the construction site and in adjacent areas. Programme on individual request (construction, major repair, reconstruction).	Calculated on the company’s website
Voluntary takaful cargo insurance ↗ Voluntary	Cargo transportation is a responsible process that always involves risks. Any incident on the way, whether an accident, theft, natural disaster or other unforeseen situation, can result in serious financial losses for the cargo owner, the carrier or another interested party. Objects of insurance: Consumer goods — food products, clothing, electronics, household appliances; Construction materials — cement, metal structures, equipment; Agricultural products — grain, fruit and vegetable products, raw materials; Industrial equipment and tools; Medical preparations and equipment; Containerized and packaged cargo of all categories \| Risks covered: Damage, loss or destruction of all or part of the cargo for any reason; If the damage is subject to compensation under the terms of insurance, all necessary and reasonable expenses incurred to save the cargo or reduce the damage, as well as to determine its amount	Calculated on the company’s website
Takaful construction and erection risk insurance ↗	Construction and installation work is one of the most complex industries, fraught with many risks. At every stage, from digging the foundation pit to handing over the building, unforeseen events — breakdown of construction equipment, natural disasters, harm to third parties during construction — can lead to serious financial consequences. Insured objects: Civil construction — multi-storey residential buildings, office centers, hotels, shopping complexes; Industrial construction — factories, production workshops, energy facilities, industrial enterprises; Infrastructure construction — roads, bridges, tunnels, water supply and sewerage systems; Installation works — installation of mechanical, electrical, hydraulic and process equipment; Agricultural facilities — construction of irrigation systems, reservoirs, farms and agro-complexes; Special construction works — strengthening of foundations, underground structures, lifting-and-transporting and crane works \| Risks covered by the insurance: Fire, lightning strike, explosion, fall of aircraft, spontaneous combustion; Theft and malicious acts of third parties; Flood and inundation, burst pipes; Storm, hurricane; Earthquake, mudflow, snow avalanche, ground subsidence, collapse, landslide; Collapse of machines and mechanisms, construction materials and structures; Damage resulting from unintentional use of defective materials and structures	Calculated on the company’s website

Imkon Sug‘urta

Product	Description	Price
advance payment insurance ↗		Calculated on the company’s website
cargo insurance ↗		Calculated on the company’s website

Inson

Product	Description	Price
Construction and erection risk (CAR) insurance ↗ Voluntary	Voluntary insurance of construction and erection risks: property interests related to the construction site, materials and equipment, and liability for harm to the life, health and property of third parties during construction. Fire, explosion of gas and vapors, natural disasters, failures of water supply, heating, sewerage and fire-extinguishing systems, burglary, theft, robbery, breaking of glass, vehicle collision, short circuit, falling of machines, mechanisms and materials; expenses for harm to the life, health and property of third parties	Calculated on the company’s website
Cargo insurance ↗ Voluntary	Voluntary cargo insurance against losses caused by damage to or loss of cargo, regardless of whether the carrier is at fault. Fire or explosion, accidents at sea and in transport, collisions, loss of the vehicle, unloading at a port of distress, natural disasters, washing overboard by a wave and jettison of cargo, ingress of seawater	Calculated on the company’s website
Equipment insurance ↗ Voluntary	Voluntary insurance of machinery and equipment of the enterprise against unforeseen and sudden damage or destruction. Fire, lightning, gas explosion, flooding during fire-fighting, floods, earthquakes, hurricanes, pipe bursts, overloads, overheating, breakdowns, short circuits and voltage surges, personnel errors, manufacturing defects; only serviceable equipment with documents that has passed testing is insured	Calculated on the company’s website
Insurance of risks of losses from production interruption ↗ Voluntary	Business interruption insurance program: compensation for loss of revenue/profit, fixed costs or additional costs during forced downtime. Losses in the form of loss of income and current operating expenses (salaries, contributions, rent payments, taxes, loan interest, depreciation) until the property is fully restored and operations resume	Calculated on the company’s website
Financial risk insurance ↗ Voluntary	Voluntary insurance of financial risks: protection against losses in business activity caused by non-performance or improper performance of contractual obligations. Non-payment for delivered goods, completed work or services rendered; non-delivery of paid goods, non-performance of paid work and non-provision of paid services	Calculated on the company’s website

Kafil Sug‘urta

Product	Description	Price
Cargo in transit ↗	We reliably protect the goods at all stages of transportation. We will cover the financial costs if your cargo is lost, spoiled, damaged or becomes completely unfit during transportation. Insurance protection is valid worldwide for carriage by road, rail, air and water transport, as well as in any combination of these modes of transport. Losses resulting from fire; Losses resulting from explosion; Losses resulting from loading and unloading operations; Losses resulting from natural disasters and natural phenomena; Losses resulting from theft or robbery	Calculated on the company’s website
Construction and erection risk (CAR) insurance ↗	Construction and installation risks insurance. During any construction, installation, major repair or reconstruction of buildings and structures, there is a high risk of causing harm to construction participants, to these facilities or to third parties. We offer a program based on the individual request of clients, in which all cases will be taken into account as fully as possible, and you will be insured. Causing damage to or damaging property; Causing harm to the life and health of third parties and damage to their property at the site of or in the vicinity of the insured object	Calculated on the company’s website
Electronic public procurement platform in the construction sector ↗ Buy online ↗	This insurance program is intended for participants in public procurement in the construction sector. It provides comprehensive protection against possible risks associated with participation in construction tenders, protecting the financial interests of both customers and contractors. The main purpose of the product is to minimize financial losses and guarantee the performance of contracts in the event of unforeseen situations. Protection against possible risks when participating in tenders; Financial compensation in case of contract termination; Coverage of costs of eliminating damage caused by third-party organizations	Calculated on the company’s website

Kafolat Sug‘urta

Product	Description	Price
Construction and erection risk insurance ↗	This is a type of insurance aimed at covering various risks arising during construction and installation work. It provides financial protection for construction sites, machinery, materials and equipment, as well as compensation for damage caused to third parties. Coverage of damage caused to construction sites and materials; Reduction of liability for damage caused to third parties during construction work; Protection against financial losses arising from unforeseen situations at the construction site; Ensuring uninterrupted and safe project implementation	Calculated on the company’s website

Mosaic Insurance Group

Product	Description	Price
Financial risk insurance ↗ Voluntary	Financial risk insurance is the protection of the policyholder's property interests upon the occurrence of an insured event across all the main types of their financial risks, both systematic and non-systematic. Insurance of financial institutions: the comprehensive policy for banks and financial institutions (BBB) compensates direct claims (actual loss) caused by unlawful acts of personnel or third parties (employee dishonesty, forgery and fraudulent alteration of documents, acting on the basis of forged documents), as well as the risk of loss (destruction) or damage to the property of the bank and financial institution or of third parties	Calculated on the company’s website
Construction and erection risk insurance ↗ Voluntary	Construction and erection all risks insurance covers a wide range of possible accidents during the construction period. The policy protects the parties involved in construction against the risks of accidental loss or damage to the construction site property, machinery, construction equipment, materials and other property, as well as against general liability to third parties. Insurance of all construction risks (losses from sudden and unforeseen accidents, if the cause is not included in the exclusions); insurance of all risks during the installation of machinery and equipment and the construction of metal structures	Calculated on the company’s website
Cargo insurance ↗ Voluntary	Cargo insurance - protection of the property interests of cargo owners in the event of damage caused by various incidents during the transportation of cargo. Marine insurance (vessel, cargo carried, freight, civil liability of the shipowner or carrier, offshore platforms); aviation insurance (aircraft, liability of the air carrier, ground flight support services); railway rolling stock insurance (wagons, locomotives, tank cars and equipment on rolling stock)	Calculated on the company’s website

Neo Insurance Corp

Product	Description	Price
Auto loan insurance ↗ Voluntary	Auto loan insurance is a type of insurance in which the borrower takes out a policy on a car purchased on credit. It protects the interests of the borrower and the lender (a bank or financial organization) in case of unforeseen situations involving the car that may affect the fulfillment of obligations under the loan. Loss of the vehicle (for example, as a result of theft); damage to the vehicle, including damage from a road traffic accident; damage that prevents the borrower from repaying the loan.	Calculated on the company’s website
Leased vehicle insurance ↗ Voluntary	Insurance of leased vehicles is a tool for protecting the financial interests of the parties to a leasing agreement (the lessor and the lessee) against losses caused by damage to, loss of, or destruction of the vehicle. This type of insurance is mandatory for most leasing transactions. Loss or destruction of a vehicle (fire, explosion, flooding, theft, hijacking, total loss); damage (road traffic accident, natural disasters, external factors, operating errors); additional risks by agreement: equipment downtime, loss of removable parts or equipment. Objects: passenger cars, trucks and buses, special-purpose machinery.	Calculated on the company’s website
Pledged vehicle insurance ↗ Voluntary	Pledged vehicle insurance is the protection of a pledged vehicle against risks such as accidents, theft and natural disasters. The policy is usually required when taking out a car loan or other types of loans where the car is used as collateral. Damage from road accidents and disasters (road accident, fire, natural disaster); protection against theft; damage that reduces the market value of the pledged property. Objects: special equipment, passenger cars and trucks.	Calculated on the company’s website
Pledged special equipment insurance ↗ Voluntary	Insurance of special equipment pledged as collateral is a service that protects the property interests of the borrower and the lender when specialized equipment is used as collateral. Physical damage (road accident, operating errors, external factors); loss of property (fire, explosion, flooding, natural disasters, theft, burglary); total loss. Objects: construction machinery, agricultural machinery, special-purpose vehicles, industrial equipment.	Calculated on the company’s website
Pledged property insurance ↗ Voluntary	Insurance of pledged property is an insurance service that protects property provided as collateral under loan or other transactions against various risks. The purpose of the insurance is to minimize the financial losses of the borrower and the lender. Loss of property (theft, fire, total loss of the collateral); damage to property (natural disasters, accidents, vandalism); decrease in the value of the collateral.	Calculated on the company’s website
Leased property insurance ↗ Voluntary	Insurance of leased property is a financial instrument that protects property transferred under a lease against the risks of loss, damage or destruction. This type of insurance is mandatory in most leasing contracts. Loss or destruction of property (fire, explosion, natural disasters, theft, vandalism); damage (accidents, operating errors, external factors); downtime and disruptions (by agreement). Objects: real estate, equipment.	Calculated on the company’s website
Mortgage insurance ↗ Voluntary	Mortgage insurance is a service that protects the borrower and the lender against risks related to the real estate, the borrower or the borrower’s obligations. Loss of property (fire, flood, unlawful acts); loss of the borrower's working capacity (death, disability or temporary incapacity for work); loss of title to property.	Calculated on the company’s website
Loan insurance ↗ Voluntary	Credit insurance is a financial service designed to protect the borrower and the lender from risks associated with the borrower's failure to fulfill obligations under the loan agreement. For the borrower: loss of working capacity (disability, serious illness); loss of job (for voluntary insurance); temporary inability to repay the loan due to reduced income; full or partial non-return of funds; risks related to collateral.	Calculated on the company’s website
Surety insurance ↗ Voluntary	Surety insurance is an insurance service designed to protect the surety from financial risks if the principal debtor fails to fulfill obligations to the creditor. Borrower's failure to fulfill obligations (non-repayment of a loan or credit, breach of contract terms); financial consequences for the surety (amount of debt, penalties, fines and legal costs).	Calculated on the company’s website
Advance payment insurance ↗ Voluntary	Advance payment insurance is financial protection that helps customers and suppliers minimize the risks associated with prepayment in business transactions. The supplier's failure to perform its obligations; delivery of goods or services of improper quality; bankruptcy or liquidation of the supplier; unjustified termination of the contract by the customer; financial insolvency of the customer.	Calculated on the company’s website

O‘zbekinvest Hayot Sug‘urta

Product	Description	Price
Insurance against industrial accidents ↗ Voluntary	The state's main concern is to create a prosperous life for its citizens. It is for this purpose, among other measures, that the Law «On Compulsory Insurance of the Employer's Civil Liability» was adopted. However, compulsory insurance provides for insurance protection within a certain limit. Unlike compulsory types of insurance, voluntary insurance products can provide coverage for exactly those risks and in those amounts that are of interest to the client. After all, an injury is harm to health that entails the costs of visiting a doctor, buying medication, and also time on sick leave, which can sometimes be quite long. Having an accident insurance policy will be significant financial support in the situations described. This policy includes coverage in the event of traumatic injury (or other health disorder of the Insured person, including one that resulted in a temporary reduction of material income, if such a condition is provided for in the Insurance contract), permanent damage to health (disability) or death of the Insured person while performing official duties. Upon the occurrence of an insured event, the Insurance company will make an insurance payment as a percentage of the sum insured, depending on the severity of the injury. The higher the sum insured set when concluding the insurance contract, the larger the payments will be, even for minor injuries.	Calculated on the company’s website

Temiryo‘l-Sug‘urta

Product	Description	Price
Construction and erection risk (CAR) insurance ↗	Construction and erection risks insurance - protection of the financial interests of all participants of the construction project. Property at the construction site and liability to third parties during construction and installation works; by law the sum insured is no more than 80% of the estimated construction cost; for liability insurance the sum insured and the cost are set by law	Calculated on the company’s website
Property insurance against damage, fire and natural disasters ↗	This type of insurance is designed to protect your organization's property by compensating for unforeseen financial losses arising from damage, fire and natural disasters. Comprehensive insurance of organizations’ property (including technological equipment) against damage, fire and natural disasters	Calculated on the company’s website
Group accident insurance ↗ Voluntary	This insurance protects your employees against accidents that occur within 24 hours, regardless of where the insured person was located. Payment for harm to employees in case of accidents for 365 days, 24/7, regardless of location: injuries, loss of working capacity (disability), death; payments are a percentage of the personal sum insured set by the contract	Calculated on the company’s website
Logistics risk insurance ↗ Voluntary	This insurance protects your organization's property interests related to the risk of loss, destruction or damage of property in transit (cargo) at all stages of freight transportation. «All risks» insurance for cargo transportation at all stages (from the moment of loading); payment in the amount of actual damage, but not exceeding the sum insured (in case of loss of cargo - taking into account the cost of logistics, if it is included in the sum insured)	Calculated on the company’s website

Xalq Sug‘urta

Product	Description	Price
All-risks property insurance ↗ Voluntary	The Company offers its clients a wide range of products for insuring the property of enterprises and organizations, regardless of ownership form. Objects of insurance: buildings, structures, equipment, furniture, office equipment, etc. Direct losses resulting from hail, heavy snowfall or frost, burglary, falling aircraft, accidents of the heating system, water supply and sewage networks, bursting of plumbing systems, deliberate acts of third parties; fire, explosion, storm, hurricane, downpour, rockfall, ground subsidence, landslide, mudflow, lightning, earthquake	Calculated on the company’s website

Other types of insurance

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Frequently asked questions

Which companies offer business insurance?

14 insurance companies describe such products on their websites: Alfa Invest Sug‘urta, Apex Insurance, Aria Sug‘urta, Euroasia Insurance, Gross Sug‘urta, Imkon Sug‘urta, Inson, Kafil Sug‘urta, Kafolat Sug‘urta, Mosaic Insurance Group, Neo Insurance Corp, O‘zbekinvest Hayot Sug‘urta, Temiryo‘l-Sug‘urta, Xalq Sug‘urta.

How much does business insurance cost?

A price or rate is published for 5 of 45 products: see the tables on this page. The insurer calculates the rest on its site; the price depends on terms and coverage.

Can I buy business insurance online?

3 insurance companies have a link to buy at least one such product online: Apex Insurance, Gross Sug‘urta, Kafil Sug‘urta.