English
Uzbekistan has introduced a dedicated state system for insuring agricultural risks. A producer pays 50% of the insurance premium, while the remaining 50% is covered from the national budget. The system is administered by the Agricultural Insurance Fund, not EUROASIA.
What changed
Following the 2025–2026 reforms, agricultural insurance now rests on a dedicated law, a specialised Fund and a digital process:
- the legal framework for agricultural risk insurance has been established;
- the Agricultural Insurance Fund has been designated as the agricultural insurer;
- the premium is split equally between the producer and the state;
- contracts, policies, monitoring, loss assessment and compensation are handled through an information system;
- in September 2026, Agroportal launched a service covering financial losses caused by a shortfall in grain yield;
- loss assessment may rely on independent experts, satellite imagery and remote-observation data.
The documents behind the system
| Document | What it establishes |
|---|---|
| Law No. ZRU-1056 of 14 April 2025, “On Insurance of Agricultural Risks” | Insurable interests and risks, the Fund’s status, electronic contracts, the 50/50 premium split and the main rules for assessing losses |
| Presidential Decree No. UP-223 of 21 November 2025, “On the Effective Organisation of the Agricultural Risk Insurance Mechanism” | Establishment of the Fund under the Ministry of Agriculture, phased advance insurance when state concessional production loans are used, and the 2030 coverage target |
| Cabinet of Ministers Resolution No. 772 of 6 December 2025, “On Organisational Measures to Introduce the Agricultural Risk Insurance System” | The Fund’s regulations, rollout stages, the work of independent experts and the claims-review process |
| Presidential Resolution No. PP-354 of 28 September 2026, “On Measures to Improve the Efficiency of Financial Support and the Risk-Management System in Agriculture” | Alternative evidence for confirming losses, a claim-free discount and a preventive-measures reserve |
PP-354 is a Presidential resolution, not a decree.
What can be insured
Under the law, insurance may protect a producer’s financial interests connected with:
- the loss or destruction of a future harvest and agricultural products being produced;
- damage to crops;
- harm to farm animals;
- damage to greenhouses and the products grown in them.
Insurable risks include natural and technological disasters, fire, plant pests and diseases, infectious diseases and poisoning of farm animals, damage caused by wild animals, and the actions of third parties.
This does not mean that a policy is already available for every type of agricultural product. The exact products, risks and terms depend on approved rules and services that have actually been launched. At present, the Fund’s official announcement confirms that grain insurance is available through Agroportal.
How much does the producer pay, and how much does the state cover?
The producer pays the Fund 50% of the insurance premium stated in the contract. The remaining 50% is reimbursed to the Fund from the national budget.
An exact price cannot be calculated from a general article. Article 27 of Law No. ZRU-1056 says that the Fund’s Management Board approves rates for each crop and animal type, taking into account local climatic conditions and the nature of the risk. A universal rate, price per hectare or sample calculation would therefore be misleading.
PP-354 provides for a 10–20% premium discount from the fourth year for farms that have had no insured event for three years. It also directs 3–5% of premiums to a preventive-measures reserve. This reserve may support preventive and veterinary services in livestock farming, biological protection for cotton and grain, and measures that reduce natural hazards in orchards and vineyards.
Who provides the insurance?
The insurer under the state programme is the Agricultural Insurance Fund under the Ministry of Agriculture. A contract may be concluded directly by the Fund or through an intermediary registered in the information system.
EUROASIA does not replace the Fund, does not participate in the state agricultural insurance programme, and does not issue crop policies or arrange the related premium subsidy.
How to obtain a policy
Official sources describe the following process for grain-producing farms:
- Submit an electronic application through a personal account on Agroportal.
- Complete the insurance contract remotely.
- Pay the producer’s share of the premium.
- Receive the electronic policy.
Official information says that the Agrosafe system covers the full process: application, contract, policy, monitoring, assessment and payment of insurance compensation. Portal section names and document requirements may change, so current instructions should be checked in the user’s account.
How are losses assessed and compensation paid?
When an insured event occurs, the producer sends an electronic notification to the Fund through the information system. The process established by Resolution No. 772 sets the following deadlines:
- the Fund appoints an independent expert within one business day after receiving the notification;
- the expert examines the affected asset within no more than five business days;
- once the expert’s report and required documents have been submitted, the Fund has ten business days to recognise or reject the claim;
- after the event is recognised, compensation is paid within three business days.
Where no hydrometeorological observation station is available, an event may be confirmed using an independent expert’s report, reanalysis data from international providers, satellite imagery and remote-observation data. Resolution No. 772 also provides for drone monitoring of agricultural production.
How is insurance linked to concessional loans?
Under UP-223, from 2026, producers using state concessional loans to produce agricultural goods are to be brought gradually into advance insurance against the loss or destruction of the products being produced.
This is not insurance of the loan debt itself. The insured interest concerns the agricultural product under production, not the credit obligation.
What is planned for 2027 and 2030?
At an official presentation in September 2026, the authorities set a target of covering 45,000 agricultural enterprises in 2027 and bringing insurance coverage of agricultural products to 60%.
UP-223 sets a separate, longer-term metric: agricultural risk insurance coverage should reach 50% by 2030. The figures refer to different dates and different measures, so they should not be treated as one target.
The broader agricultural subsidy system is being reformed separately. UZS 2.7 trillion was allocated for the sector in 2026, and some subsidies are expected to become results-based from 2027. This is not the same mechanism as the budget covering 50% of an agricultural insurance premium.
What agricultural insurance does not cover
A crop policy does not automatically protect every asset on a farm. A home, building, office, warehouse or solar panels are not part of crop insurance and may require separate property cover.
EUROASIA offers separate products for these assets:
- Business property insurance — 11 risks for buildings, offices and other business property, with an online calculator; prices start from UZS 25,000 per year.
- Solar panel insurance — 12 risks, starting from UZS 300,000 per year. Standard terms cover panels mounted on a roof or wall; ground-mounted panels are considered only under an individual project.
- Personal property insurance — 11 risks, online purchase and a one-year policy; cover begins on the eighth day after the policy is issued.
These products do not replace insurance for crops, farm animals or agricultural machinery.
Frequently asked questions
Does the producer pay only half of the premium?
Yes. The producer pays 50%, and the remaining 50% is reimbursed to the Fund from the national budget.
Can every crop already be insured through Agroportal?
The official announcement confirms the launch of grain insurance through Agroportal. Availability and terms for other products should be checked with the Fund or in the current information system.
Who assesses a loss after an insured event?
An independent expert appointed by the Fund. The expert examines the asset, prepares a report on the event and the amount of damage, and enters the information in the system.
Is the discount automatic after three claim-free years?
PP-354 provides for a 10–20% discount from the fourth year. The exact conditions and amount should be checked in the applicable insurance rules and contract.
Can I obtain a crop policy or the state subsidy through EUROASIA?
No. EUROASIA is not part of the state agricultural insurance programme and does not issue crop policies or provide the related subsidy.
If a farm needs separate protection for its building, office or solar panels, review the terms for business property, solar panels or personal property. For crop insurance, rely on official information from the Agricultural Insurance Fund and Agroportal.
