Compulsory types: employer (OSGOR), carrier (OSGOP) and hazardous production facility liability. Voluntary types: general civil and professional liability of auditors, appraisers, realtors and other specialists.
Data collected on 03.11.2026More details
This page lists 78 products from 20 insurance companies: names, descriptions and prices published on the companies’ websites. A price or rate is published for 10 of 78 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The information is taken from insurers’ websites and may be out of date.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.
Under OSGOP insurance (compulsory civil liability insurance of carriers to passengers), insurance protection is provided when the carrier's civil liability arises for causing harm to the life, health and (or) property of passengers during the term of the contract. Sum insured per passenger 44 000 000 UZS: 40 000 000 UZS - harm to life or health, 4 000 000 UZS - damage to the passenger’s property
OSGOR protects the property interests of the employer in cases where the employer becomes liable to compensate harm caused to the life or health of an employee as a result of an industrial accident, occupational disease or work injury.
Hazardous production facility (HPF) insurance protects the Policyholder's property interests related to the obligation to compensate damage caused to the life and health of third parties, to the property of individuals and legal entities and to the environment as a result of an accident at a hazardous production facility. Damage to victims’ property; costs of treatment, medicines, lost earnings, funeral; costs of eliminating the consequences of the accident
Protection of the employer's property interests in the event of an accident that caused harm to the life or health of an employee and occurred in connection with the performance of their direct work duties. OSGOR page: harm to the life and health of third parties, damage to the property of third parties, compensation for moral harm in the event of an incident at a hazardous facility (see the product's notes)
Compulsory civil liability insurance of a passenger carrier protects the carrier's property interests in the event of harm to the life, health or property of passengers. Compensation for harm to a passenger’s health or life; compensation for lost or damaged property; compensation for moral damage
A policy for taxis, minibuses and buses: compulsory liability insurance to passengers; term of 3, 6, 9 or 12 months at your choice. Each seat according to the vehicle registration certificate is insured for 44 million UZS (40 million - life and health, 4 million - belongings); a 4-seat taxi - 176 million UZS, a 12-seat minibus - 528 million UZS
Taxi (4 seats): 360 096 UZS for 12 months; minibus (12 seats): 319 968 UZS for 12 months
The policy covers harm to the life and health of an employee in the performance of work duties; for legal entities and entrepreneurs, it must be taken out no later than 15 working days after registration or the first employment contract. Industrial accident, occupational disease, loss of working capacity, death of an employee; the sum insured equals the annual payroll fund
Base rate 0,1%, the final price depends on the risk class (20 classes, coefficients 0,571-7,714 under Cabinet of Ministers Resolution No. 443 of 15.07.2025)
Compulsory civil liability insurance: the policy covers harm to the life, health and property of other persons and to the environment in the event of an accident at the facility. The requirement is under the Law «On Industrial Safety of Hazardous Production Facilities». Compensation within the sum insured, the amount of which is set by law according to the type of facility
From 2 mln UZS per year (annual rate 0,05-0,13% of the sum insured)
Compulsory employer's civil liability insurance (OSGOR) is a social protection mechanism that guarantees compensation for harm caused to the life or health of employees. Insurance protection of the employer for obligations to employees in case of harm to life or health in the performance of work duties: industrial injuries and disabilities, occupational diseases, other physical damage at work. Compensation: in case of the employee's death - not less than five average annual salaries as a lump sum + monthly payments to dependants; in case of injuries - payments for loss of working capacity, treatment and rehabilitation. Moral damage is not covered.
Insurance of hazardous production facilities - protection of your business against industrial risk. Damage caused to the life, health and (or) property of other persons in emergency situations; damage to the natural environment as a result of an accident or emergency at a hazardous facility. The minimum payment amount is set depending on the hazard type of the facility according to the adopted classification.
Compulsory employer's civil liability insurance. The employer must insure compensation for damage that may be caused to the life or health of an employee if it is related to the performance of work duties.
Yo'lovchilar hayoti va sog'lig'i, tashuvchining moliyaviy barqarorligi hamda qonuniy majburiyatlarini himoya qilish uchun ushbu sug'urta turi majburiy hisoblanadi.
Compulsory civil liability insurance for causing harm to the life, health and (or) property of other persons and to the environment in the event of an accident at a hazardous production facility. The sum insured is determined depending on the type of object under the resolution of the Cabinet of Ministers
Compulsory civil liability insurance of forensic experts of non-state forensic examination organisations. The application is drawn up in accordance with paragraph 9 of the Regulation approved by Appendix No. 2 to Cabinet of Ministers Resolution No. 706 of 22 November 2021.
Compulsory carrier's civil liability insurance: protection of passengers if harm is caused to them during the trip through the carrier's fault. Term of 3, 6 or 12 months. Maximum per passenger 44 million UZS: up to 40 million - harm to life and health, up to 4 million - damage to property
Compulsory employer's civil liability insurance: protection of the employer's property interests when compensating for harm to the life and health of employees. Industrial injuries, occupational diseases, physical harm to health sustained at work
Compulsory employer's civil liability insurance. This type of insurance is aimed at protecting the employer's property interests in the event of an accident that caused harm to the life or health of an employee and occurred in connection with the performance of his or her direct work duties. What can we insure? Concluding an insurance contract gives the employer the opportunity to protect its property interests when liability arises to cover the harm caused to the life and health of an employee at work. The officially confirmed fact of the employer's civil liability arising for compensation of harm caused to the life or health of an employee in connection with an occupational injury, occupational disease or other damage to the employee's health related to the performance of their job duties;
Compulsory civil liability insurance of the carrier. Every passenger carrier bears legal responsibility for the safe carriage of each passenger and their property, from the start to the end of the route. WHAT CAN WE INSURE? The fact, confirmed in the established manner, that the carrier's civil liability has arisen for causing harm to the life, health and (or) property of passengers during the term of the compulsory carrier civil liability insurance contract;
This type of insurance is aimed at protecting the property interests of notaries in private practice in the event of civil liability to clients or third parties for damage caused to them as a result of an error, omission or other improper performance of their professional duties. The insurance provides the notary with financial protection against possible claims and payment of compensation. Errors or omissions made in the course of notarial activity; Financial losses of clients or third parties arising from professional errors; Compensation for damage caused to clients due to improper performance of duties
This type of insurance is intended to compensate for damage caused to the life, health or property of third parties, as well as to the environment, as a result of accidents at hazardous production facilities. The insurance covers civil liability and helps minimize material losses in unforeseen situations at the production site. Accidents at hazardous production facilities that caused damage to the life, health or property of third parties or to the environment
This type of insurance protects the property interests of persons who have suffered as a result of notarial acts performed by a private practising notary, by means of insurance payouts. Sum insured: For notaries operating in the cities of Tashkent, Nukus and regional administrative centers – not less than 1000 times the basic calculated value. For notaries operating in other localities – not less than 500 times the basic calculated value. Insurance premium: Determined by agreement of the parties, but may not be less than 1% of the sum insured. Possibility of compensation for material damage caused as a result of notarial acts Guaranteed insurance payments to injured individuals and legal entities Protection of the legal and financial interests of users of notarial services Increased legal certainty and security in notarial activity
Insurance premium: determined by agreement of the parties, but may not be less than 1% of the sum insured
This type of insurance is compulsory under Resolution of the Cabinet of Ministers No. 177 of 24 June 2009 and provides financial protection related to compensation of harm to the life or health of an employee in the event of injury, occupational disease or other damage to health in the performance of work duties during the term of the compulsory employer's civil liability insurance contract. Ensuring legal and financial protection of employees; preserving the employer’s financial stability; guarantee of security of labor relations
This type of insurance is compulsory under Cabinet of Ministers Resolution No. 266 of 15 September 2015 and covers the carrier's civil liability for compensation of damage caused to the life, health and (or) property of passengers. Protection of passengers' life and health with insurance coverage; Ensuring the financial stability of the carrier; Reducing the financial consequences of accidents
This type of insurance is compulsory in accordance with Resolution of the Cabinet of Ministers No. 271 of December 10, 2008 and provides for civil liability insurance of organizations operating hazardous production facilities for causing harm to the life, health and property of third parties, as well as to the environment, in the event of an accident. Financial protection against accidents at hazardous production facilities; Insurance protection of organizations' civil liability; Compensation for damage caused to the environment
Compulsory carrier's civil liability insurance is insurance that obliges the carrier to insure its liability to passengers in the event of unforeseen situations during carriage. If harm is caused to the life, health or property of passengers we will compensate: in total 44 000 000 UZS, of which 40 000 000 UZS is for covering damage to the life and health of passengers and 4 000 000 UZS is for covering damage to the passenger's property.
Employer insurance: protection against financial risks in case of damage to the life/health of employees at work. Fill in the specified fields (TIN, phone, region, district) and receive the contract online. What we pay for: occupational injury received at work; occupational disease; other damage to health received by an employee in the performance of their duties.
Insurance of hazardous production facilities (HPF) is a mandatory tool for protecting a business that operates high-hazard facilities such as chemical and oil and gas plants, nuclear power plants and other facilities. The main goal is to minimize the financial, environmental and social consequences in the event of accidents, disasters or emergencies. Risks: man-made accidents; environmental risks; social risks (injury and death of people working at hazardous production facilities); economic risks (downtime, restoration costs); liability to third parties.
Compulsory civil liability insurance for causing harm to the life, health or property of third parties and to the environment in the event of an accident at a Hazardous Production Facility. Compensation of bodily and property damage to third parties in case of an accident at a hazardous production facility. Minimum insured amount by law: type 1 facility - 250 000 BCV (base calculated value), type 2 - 50 000 BCV, type 3 - 10 000 BCV
Price by agreement: from 0,1% to 0,6% per year of the sum insured (depending on the type, location and technical condition of the object)
A type of insurance established by law, aimed at paying compensation to injured persons who suffered while performing their official duties. Compensation to the victim for harm to an employee’s life or health during work; sum insured - the annual payroll of the enterprise’s employees
A type of insurance established by law, aimed at paying compensation for harm caused by the carrier to the life, health and property of passengers during their carriage. Sum insured by law - 44 000 000 UZS per passenger; the cost depends on the type of vehicle and the number of seats
In accordance with the Law of the Republic of Uzbekistan No. 210 of 16 April 2009 «On compulsory insurance of employers' civil liability», the employer is obliged to insure its civil liability for compensation of harm caused to the life or health of an employee in connection with an occupational injury, occupational disease or other damage to health related to the performance of his or her work duties. The sum insured is the annual payroll of all of the employer's employees: for an employer operating for more than a year, the payroll for the previous 12 months; for a newly started business, the payroll for the following 12 months (first month's payroll × 12); for an employer operating for less than a year, the payroll of all employees for the period of operation
Professional liability insurance protects the property interests of the Policyholder if claims are made for compensation of harm to the life, health or property of third parties resulting from errors, omissions or improper actions in the course of professional activity.
Arising of the obligation to compensate harm caused to the customer in the provision of services by customs carriers and brokers, audit organizations, appraisers, court-appointed managers, lawyers, notaries and realtors. The obligation to compensate the customer for harm when services are provided by customs carriers and brokers, audit organizations, appraisers, court-appointed managers, lawyers, notaries, realtors. Compensation - within the sum insured less the deductible (the deductible is by agreement and may not be set); the sum insured is by agreement of the parties
Policy cost for one calendar year - from 0,3% to 1,5% of the sum insured
Protect yourself from financial risks associated with professional audit activity. Civil liability for poor-quality or improper audit: financial loss to the client; fines and penalties of tax authorities if violations were not identified during the audit; unintentional errors in the application of tax and accounting legislation; arithmetic errors; errors in written recommendations; loss of or damage to documents and property during the audit; breach of professional secrecy
Protect your professional activity from financial risks. Civil liability for harm caused to the beneficiary through negligence, errors and/or omissions in valuation activities; the harm was caused during the term of the contract; the fact of harm is established by a court; contract term is 1 year (otherwise by agreement)
Professional liability insurance of certification bodies against financial claims arising from an error or omission in the certification of products, processes and services.
Protection of an audit organization against client claims where the audit opinion contains an incorrect conclusion on the financial statements and has caused a confirmed loss.
Civil (professional) liability of the inspection body to the client for poor-quality pre-shipment and unloading inspection services; the policyholder is a consulting firm accredited by «Uzstandart» and operating under ISO/IEC 17020:2009. The sum insured, premium and unconditional deductible are determined individually
Civil liability of the freight forwarder and the carriers engaged by them to third parties for harm caused during road transportation of cargo within the territory of Uzbekistan. The sum insured and the rate are calculated individually
Voluntary protection of business against third-party claims: the policy compensates harm to the life, health and property of outside persons and companies caused by the policyholder's activities.
From 200 000 UZS per year; rate 0,3-1,2% per year depending on the size of the business
In everyday life and business activity we may unknowingly or accidentally cause harm to other persons. In such cases, in accordance with the law, the person who caused the harm is obliged to compensate material and moral losses in full. Coverage by type of liability: Personal civil liability — accidental damage caused by an individual to other persons in everyday life; Liability of enterprises and organizations — damage caused to third parties as a result of incidents at the premises; Liability of the property owner — incidents at a property that is leased out or in common use | Covered risks: Bodily injury, maiming or other harm to the health of the injured party that resulted in partial or total loss of general working capacity or death; Physical damage to property that resulted in its destruction or reduction in value; Losses related to the settlement of third-party claims for compensation of harm caused to their life and health and (or) damage caused to their property; Legal costs incurred in connection with the consideration of claims for compensation of harm caused to third parties
Liability. General civil liability insurance with a choice of the Standard, Premium or Luxury option. Sum insured: Standard - 10 000 000 UZS, Premium - 20 000 000 UZS, Luxury - 30 000 000 UZS
Professional liability. Professional liability insurance for cosmetologists with a choice of Standard, Premium or Luxe option. Sum insured: Standard - 50 000 000 UZS, Premium - 75 000 000 UZS, Luxury - 100 000 000 UZS
This type of insurance is compulsory in accordance with Resolution of the Cabinet of Ministers No. 457 of July 30, 2024 and provides for civil liability insurance of organizations operating hydraulic structures for causing harm to the life, health and property of third parties, as well as to the environment, in the event of an emergency. Financial protection against the consequences of emergencies at hydraulic structures; Insurance protection of the civil liability of organizations; Compensation of damage caused to the environment
This type of insurance is aimed at covering possible financial losses arising from causing harm to the life, health and (or) property of third parties in the course of business or other activity. The insurance coverage ensures compensation of damage within the limits of the policyholder's legal obligations. Protection against unexpected financial losses in business; Reduction of legal liability for damage caused to third parties; Preservation of the trust and reputation of the insured person
This type of insurance is aimed at covering possible financial losses arising from errors or violations committed by auditors in the performance of their professional duties. Insurance coverage helps minimize risks and ensures the financial stability of the auditor. Protection against financial risks arising in the course of audit activity; Reduction of liability for damage caused to third parties; Preservation of the auditor's professional reputation and increased client trust
This type of insurance is aimed at covering possible financial losses that a lawyer may cause to their clients or third parties in the course of professional activity. If a lawyer makes a mistake or commits a violation that causes damage to a client, the insurance company compensates such damage in the established manner. Protection against professional risks arising in the activity of a lawyer; Compensation of losses caused to clients or third parties; Support of the lawyer's reputation and increased trust
This type of insurance is aimed at compensating for harm that medical workers may cause to patients in the course of their professional activities through error or negligence. If a doctor or medical specialist makes a wrong diagnosis or makes a mistake during treatment or surgery, the insurance company will compensate the damage caused. Protection of medical workers against professional risks; Compensation of material and moral damage caused to patients; Protection of the legal and financial interests of medical specialists
This type of insurance is aimed at covering losses that may be caused to clients as a result of mistakes made by accountants in the course of their professional activities. If an accountant makes an error in calculations or in tax or financial reporting that leads to material damage to the client, the insurance will help compensate the losses. Protection against financial losses caused by professional errors of accountants; Increased trust of clients and partners through liability insurance; Coverage of legal costs and compensation payments
This type of insurance is aimed at covering losses caused to clients or third parties as a result of errors or negligence of appraisers in the performance of their professional duties. If an appraiser made an error in the valuation and this led to financial losses for the client, the insurance will help compensate for the damage. Protection against financial losses caused by errors in conducting an appraisal; Increasing the trust of clients and partners; Coverage of legal costs and compensation payments
This type of insurance protects the property interests of persons who have suffered as a result of notarial acts performed by a private practising notary, by means of insurance payouts. Sum insured: For notaries operating in the cities of Tashkent, Nukus and regional administrative centers – not less than 1000 times the basic calculated value. For notaries operating in other localities – not less than 500 times the basic calculated value. Insurance premium: Determined by agreement of the parties, but may not be less than 1% of the sum insured. Possibility of compensation for material damage caused as a result of notarial acts Guaranteed insurance payments to injured individuals and legal entities Protection of the legal and financial interests of users of notarial services Increased legal certainty and security in notarial activity
Insurance premium: determined by agreement of the parties, but may not be less than 1% of the sum insured
Directors and officers liability insurance (D&O) covers the expenses of the Director or officers arising in connection with a claim first made against the Directors or officers during the term of the Agreement for their actual or alleged wrongful acts in their respective capacity as directors or officers of the Company. D&O coverage may include: coverage of security requirements; additional insurance for independent directors; costs of defending the rights and freedoms of directors; costs of defending and restoring business reputation; costs of overcoming a crisis jointly with supervisory authorities
Civil liability insurance is part of tort law, which focuses on civil wrongs. There is a property interest connected with the Insured compensating damage caused to the person or property of third parties. General liability insurance covers the property interests of an individual or company related to possible compensation for damage to third parties
20 insurance companies describe such products on their websites: Alfa Invest Sug‘urta, Apex Insurance, Aria Sug‘urta, Asia Insurance, Euroasia Insurance, Gross Sug‘urta, Hamkor Sug‘urta, Imkon Sug‘urta, Impex Insurance, Infinity Insurance, Inson, Kafil Sug‘urta, Kafolat Sug‘urta, Mosaic Insurance Group, Neo Insurance Corp, Quantum Insurance, SQB Insurance, Temiryo‘l-Sug‘urta, Trust Insurance, Xalq Sug‘urta.
How much does liability insurance cost?
A price or rate is published for 10 of 78 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 liability insurance online?
17 insurance companies have a link to buy at least one such product online: Alfa Invest Sug‘urta, Apex Insurance, Asia Insurance, Euroasia Insurance, Gross Sug‘urta, Hamkor Sug‘urta, Imkon Sug‘urta, Impex Insurance, Inson, Kafil Sug‘urta, Kafolat Sug‘urta, Neo Insurance Corp, Quantum Insurance, SQB Insurance, Temiryo‘l-Sug‘urta, Trust Insurance, Xalq Sug‘urta.
Alfa Invest Sug‘urta
Apex Insurance
Asia Insurance
Euroasia Insurance
Gross Sug‘urta
Hamkor Sug‘urta
Imkon Sug‘urta
Infinity Insurance
Inson
Kafil Sug‘urta
Kafolat Sug‘urta
Neo Insurance Corp
Quantum Insurance
SQB Insurance
Temiryo‘l-Sug‘urta
Trust Insurance
Xalq Sug‘urta
Aria Sug‘urta
Impex Insurance
Mosaic Insurance Group