Compulsory Employer’s Liability Insurance (OSGOR) is a mandatory type of insurance for all employers in Uzbekistan who have hired workers. This system has been in effect since 2009 and is governed by the Law of the Republic of Uzbekistan dated April 16, 2009.
Mandatory for all employers (legal entities and individual entrepreneurs with employees)
Covers harm to employees’ life and health in the course of employment
Insurance amount: 50 times the minimum wage per employee
Contract term: 1 year with mandatory renewal
Fines for non-compliance: from 5 to 50 times the minimum wage
The insurance cost depends on three factors:
Formula:
Insurance Premium = Insurance Amount × 0.1% × Risk Class Coefficient × Number of Employees [2]
0.1% annually of the insurance amount for all employers
All business activities are divided into 20 risk classes with different coefficients:
Class | Coefficient | Example Activities |
|---|---|---|
1 | 0.571 | Design firms, wholesale trade, brokerage services |
2 | 0.857 | Standardization centers, customs services |
3 | 0.857–1.143 | Equipment repair, beer production, retail trade |
4 | 1.429 | Elevator manufacturing |
5 | 1.429 | Data carriers manufacturing, vehicle repair |
6 | 1.714 | Hydroelectric power stations |
7 | 2.00–2.286 | Polymer production |
8 | 2.286–2.571 | Thermal power plants, heating systems |
9 | 2.857 | Plastic product manufacturing |
10 | 3.143 | Non-ferrous scrap processing |
11 | 3.143 | Hard alloy production |
12 | 3.429–3.714 | Scrap processing, electrical equipment manufacturing |
13–14 | 4.00 | Metallurgy (pipes, cast iron, steel, rolling) |
15 | 4.286 | Chemical industry (caustic soda) |
16 | 4.571 | High-risk production |
17 | 5.143 | Mining industry |
18 | 5.714 | Explosives production |
19 | 6.00 | Nuclear energy |
20 | 7.714 | Underground coal mining, tungsten-molybdenum mining |
Example 1: IT Company (Class 1, Coefficient 0.571)
50 employees
Annual premium: minimal due to low risk coefficient
Example 2: Construction Company (Class 7, Coefficient 2.286)
100 employees
Annual premium: 4 times higher than IT company
Example 3: Metallurgical Plant (Class 14, Coefficient 4.00)
500 employees
Annual premium: 7 times higher than IT company
Get an accurate cost estimate for your business in just 5 minutes. EUROASIA Insurance offers:
Online issuance of e-policies in 5 minutes
Full compliance with the legislation of Uzbekistan
Affordable rates from 0.1% of the payroll fund
Personalized offers from experienced managers
Workplace injuries
Occupational diseases
Employee death during duty
Health impairments related to work activity
Lost income compensation — up to 100% of average salary in case of total disability
Medical expenses — treatment, medications, rehabilitation, assistive devices
Lump-sum payments — for disability or death
Monthly family support — in case of employee death
Deadline: within 30 days after company registration or hiring the first employee
Documents: activity details, employee count, safety measures
Payment: lump sum or in installments
Notify insurer: within 3 working days
Provide documents: reports, medical certificates, statements
Investigation: conducted by the insurer
Payment: within 30 days of receiving all documents
Regulatory Bodies:
Insurance Market Development Agency, Labor Inspectorate, Tax Authorities
Penalties for No OSGOR:
Legal entities: 5–50 times the minimum wage
Officials: 3–10 times the minimum wage
License for OSGOR from the Insurance Market Development Agency
Financial stability
Claims settlement experience
Quality of customer service
Rates — uniform for all insurers, set by the government
Discounts — possible for good claims history
Service — speed, convenience of document submission
Reputation — customer reviews on payments and claims handling
Improve workplace safety — can lead to rate discounts
Correct risk classification — ensure the correct class is applied
Maintain incident statistics — low rates may offer benefits
Train staff — reduces accident risks
Late contract signing
Failing to report changes in staff numbers
Delays in notifying about insurance events
Incorrect documentation for insurance claims
Electronic policies
Online document submission
Mobile apps for notifications
Automated premium calculation
OSGOR is not just a mandatory expense — it’s a key tool for protecting your business from financial risks related to employee injuries. A solid understanding of the risk classification system, timely insurance registration, and professional interaction with insurers will minimize your expenses and ensure strong protection for both staff and business.
Investing in workplace safety not only reduces risks but can also lower insurance contributions, making OSGOR an effective risk management tool.
Choosing a reliable insurer with modern digital solutions, such as EUROASIA Insurance, ensures not only compliance with legal requirements but also smooth cooperation throughout the entire insurance process.
EUROASIA Insurance specialists can help you:
Calculate the exact cost for your business
Identify the correct professional risk class
Issue an e-policy quickly
Get personalized insurance terms
[1] Law of the Republic of Uzbekistan “On Compulsory Employer’s Liability Insurance” dated April 16, 2009. URL: https://lex.uz/acts/1471201
[2] Rules for Compulsory Employer’s Liability Insurance, approved by Resolution No. 177 of the Cabinet of Ministers of the Republic of Uzbekistan dated June 24, 2009. URL: https://lex.uz/acts/1493387
[3] Insurance Market Development Agency under the Ministry of Finance of the Republic of Uzbekistan. URL: https://aic.uz/ru/smotret-strahovanie/41
[4] EUROASIA Insurance. Compulsory OSGOR Insurance. URL: https://eai.uz/ru/business/osgor
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