OSGOR in Uzbekistan: Industry-Specific Features and Cost Optimization

Risk Classification by Industry: Practical Application

Understanding the professional risk classification system is essential for effective planning of OSGOR (Compulsory Employer’s Liability Insurance) expenses. All types of economic activity are divided into 20 risk classes with coefficients ranging from 0.571 to 7.714 [1].

Low-Risk Industries (Classes 1–3, Coefficients 0.571–1.143)

Class 1 (Coefficient 0.571):

• Design and architectural-planning organizations

• Wholesale trade (warehouses, cold storage facilities, distribution centers)

• Commodity exchanges, brokerage and dealer firms

• Trading houses and commercial centers

Practical significance: Minimal OSGOR expenses. A company with 100 employees can save tens of millions of Uzbek soums annually compared to high-risk sectors.

Class 2 (Coefficient 0.857):

• Standardization and metrology centers

• State regulatory laboratories

• Customs clearance services

Class 3 (Coefficients 0.857–1.143):

• Computer maintenance and repair

• Beer and malt production

• Retail trade

• Agricultural trade

💰 Example Calculation for an IT Company with EUROASIA Insurance

Family Café “Osh Markazi” (food service, 15 employees):

• Annual payroll fund: 240 million UZS

• Risk coefficient: 1.143 (Class 3)

• OSGOR cost: 274,320 UZS per year (≈23,000 UZS per month)

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Medium-Risk Industries (Classes 4–10, Coefficients 1.429–3.143)

Construction and Infrastructure:

• Class 4: Elevator manufacturing (1.429)

• Class 6: Hydroelectric plants (1.714)

• Class 8: Thermal power plants (2.286–2.571)

Manufacturing Industry:

• Class 5: Auto repair (1.429)

• Class 7: Polymer production (2.00–2.286)

• Class 9: Plastic product manufacturing (2.857)

• Class 10: Non-ferrous metal scrap processing (3.143)

Practical recommendations: Businesses in these sector

xample Calculation for a Manufacturing Company

Silk Road Textile Factory (silk production, 200 employees):

• Annual payroll fund: 1.8 billion UZS

• Risk coefficient: 4.571 (Class 15)

• OSGOR cost: 8,227,800 UZS per year (≈686,000 UZS per month)

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High-Risk Industries (Classes 11–20, Coefficients 3.143–7.714)

Metallurgy and Heavy Industry:

• Classes 11–12: Hard alloy production, scrap metal processing (3.143–3.714)

• Classes 13–14: Metallurgical plants (4.00)

• Steel, cast iron, pipe, and rolled metal production

Chemical Industry:

• Class 15: Caustic soda production (4.286)

High-Hazard Industries:

• Class 16: Coefficient 4.571

• Class 17: Mining industry (5.143)

• Class 18: Explosive production (5.714)

• Class 19: Nuclear energy (6.00)

• Class 20: Underground coal mining, tungsten-molybdenum ore processing (7.714)

Critically important: Class 20 companies pay 13.5 times more than Class 1. For a plant with 1,000 employees, the annual premium difference may total hundreds of millions of UZS.

Example Calculation for a High-Risk Industry

Mining complex (coal extraction, 5,000 employees):

• Annual payroll fund: 25 billion UZS

• Risk coefficient: 7.714 (Class 20)

• OSGOR cost: 192,850,000 UZS per year (≈16.1 million UZS per month)

Even large enterprises can benefit from EUROASIA Insurance’s personalized terms and expert support.

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Real OSGOR Cost Calculation by Industry

Calculation Methodology

Base formula:

Premium = Insured amount × 0.001 × Risk coefficient × Headcount [2]

According to current regulations, the insured amount per employee is equal to 50 times the minimum wage.

Comparative Expense Analysis

Example: Business with 100 employees

Business Scale Impact

Small Business (10–50 employees):

• Low-risk sectors: minimal costs

• High-risk sectors: significant budget strain

Medium Business (50–200 employees):

• Active risk management is essential

• Safety investments become cost-effective

Large Business (200+ employees):

• Critical need for safety programs

• Potential for reduced rates through improved safety metrics

EUROASIA Insurance: The Ideal Solution for Any Business

No matter your company size or sector, EUROASIA Insurance offers:

For Small Business:

• Fast 5-minute online application

• Minimal paperwork (only TIN)

• Affordable rates from 0.1%

For Medium Business:

• Dedicated account managers

• Flexible payment terms

• Risk optimization consultations

or Large Business:

• Custom insurance programs

• Corporate discounts

• Full-service insurance support

[Get your business quote →]

OSGOR Expense Optimization Strategies

1. Accurate Activity Classification

Problem: Many companies are misclassified, leading to overpayment.

Solution:

• Analyze core business operations

• Request reclassification from the insurer

• Provide documentation to justify business specifics

Example: A trading company with minor production activities may qualify for Class 3 (trade) instead of Class 7–10 (manufacturing).

2. Occupational Safety Improvement Programs

Investments:

• Modern protective equipment

• Employee training

• Process automation

• Regular medical check-ups

Economic Effect:

• Lower coefficient with fewer accidents

• Discounts of 20–30% off base rate

• ROI within 2–3 years

3. Managing Injury Statistics

Key Metrics:

• Number of accidents per 1,000 employees

• Lost workdays

• Severity of injuries

• Occupational diseases

Measures:

• Keep detailed records

• Analyze root causes

• Implement preventive actions

• Document safety improvements

4. Choosing the Right Insurer

Selection Criteria:

• Experience in your sector

• Speed of claims processing

• Discount availability

• Service quality

Negotiation Leverage:

• Low incident history

• ]]High insurance volume

• Full-service insurance package

• Long-term partnership

Why EUROASIA Insurance Is the Optimal Choice

• Experience: Years of expertise across all economic sectors

• Speed: Fast claim resolution and payouts

• Technology: Modern digital solutions for business

• Support: Dedicated managers and 24/7 assistance

• Reliability: Financial stability and impeccable reputation

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Industry-Specific Use of OSGOR

IT & Telecommunications:

Low physical risks; main issues are computer-related illnesses.

Strategy: Ergonomic workspaces, eye and posture health programs.

Construction:

High-risk activities: height work, heavy machinery.

Strategy: Strict safety protocols, quality gear, and proper training.

Manufacturing:

Risks: machinery, chemicals, high temperatures.

Strategy: Automation, safety systems, regular maintenance.

Trade & Services:

Low manufacturing risk; key issues are lifting injuries.

Strategy: Warehouse mechanization, safe work method training.

Digital Tools for OSGOR Management

Process Automation:

• Electronic policies: Fast issuance, auto-renewal

• Online calculators: Instant cost adjustments

• Mobile apps: Report insurance cases

Monitoring Systems:

• IoT sensors: Real-time workplace monitoring

• Video analytics: Detect safety violations

• Predictive analytics: Forecast risks via data

System Integration:

• ERP: Staff changes auto-tracked

• HR systems: Linked to employee data

• Finance systems: OSGOR expense planning

Implementation Tips

For Small Business:

• roper classification = main cost lever

• Basic safety = low-cost, high-impact

• Choose insurers wisely

For Medium Business:

• Comprehensive safety programs

• Automate dangerous operations

• Maintain detailed statistics for discounts

For Large Business:

• rporate safety standards

• Internal safety departments

• Insurance partnerships for tailored plans

Conclusion

OSGOR in Uzbekistan is more than a legal obligation—it’s a powerful risk management tool. Understanding risk classification, proactively managing safety indicators, and strategically selecting insurers helps minimize costs and improve workplace safety.

This is especially vital for high-risk sectors (Classes 15–20), where insurance coefficients can take up significant portions of payroll budgets. Investments in safety and digital tools pay off not just through lower premiums but through higher productivity and employee loyalty.

EUROASIA Insurance is the ideal OSGOR partner for any company in Uzbekistan, offering innovative technologies, personalized service, and reliable protection—regardless of indu

Sources:

[1] Law of the Republic of Uzbekistan “On Compulsory Insurance of Employer’s Civil Liability” (April 16, 2009) – https://lex.uz/acts/1471201

[2] Government Resolution No. 177 on Rules for Compulsory Employer’s Liability Insurance (June 24, 2009) – https://lex.uz/acts/1493387

[3] Insurance Market Development Agency under the Ministry of Finance of Uzbekistan – https://aic.uz/ru/smotret-strahovanie/41

[4] EUROASIA Insurance – OSGOR for Businesses – https://eai.uz/ru/business/osgor