OSGOR in Uzbekistan: Industry Features & Cost Savings
Compulsory Employer’s Liability Insurance (OSGOR) is a mandatory type of insurance for all employers in Uzbekistan who have hired workers.
Employer's Compulsory Liability Insurance
Your Guarantee of Business Security and Legality
Compulsory employer's liability insurance — accurate calculation for any business category
Up to 10 billion UZS per year
10–100 billion UZS per year
Over 100 billion UZS per year
Risk coefficients are set by the Cabinet of Ministers and depend on the professional risk class of your industry. Catering belongs to class 3 (K=1.143), textile production to class 15 (K=4.571), and coal mining to class 20 (K=7.714).
Legislative Requirements of the Republic of Uzbekistan
The rules "On Mandatory Insurance of Employer's Civil Liability" dated June 24, 2009, establish the mandatory nature of this type of insurance for all employers.
According to labor legislation, the employer is obliged to ensure labor safety and insure their liability towards employees.
The obligation applies to all legal entities and individual entrepreneurs with hired employees, regardless of the form of ownership and number of staff.
Operating without an ECLI policy leads to administrative liability and fines from regulatory authorities.
Complete protection from occupational risks
Injuries sustained by an employee while performing work duties on and off the employer's premises
Acute or chronic diseases that arise as a result of exposure to harmful occupational factors
Payments to beneficiaries (the deceased's family) in the event of an employee's death related to the performance of work duties
Payments for temporary or permanent loss of an employee's ability to perform their work functions
Compensation for the costs of treatment and rehabilitation of the injured employee
Reimbursement of related expenses associated with an insured event
A simple 4-step process
Provide company and payroll information in the online form
Our specialists will check the information within 1 business day
Pay the insurance premium online using any convenient method
The ECLI e-policy will be sent to your email immediately after payment
Compulsory Employer’s Liability Insurance (OSGOR) is a mandatory type of insurance for all employers in Uzbekistan who have hired workers.
In Uzbekistan’s business environment, corporate insurance protects finances, ensures compliance, and covers risks from disasters to workplace injuries.
Understanding OSGOR in Uzbekistan: 20 professional risk classes with coefficients 0.571–7.714 determine employer premiums. Learn how to plan and optimize.
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ECLI is a mandatory type of insurance designed to protect the financial interests of the Employer when liability arises for damage caused to an employee in a workplace accident. ECLI ensures the payment of monetary compensation to injured employees due to industrial injuries from accidents or occupational diseases while performing their work duties.
The insurance policy can be issued on our website or by calling the call center at 1147.
The ECLI contract is concluded for a period of one year, or for the duration of the organization's activity. After this period expires, a new contract must be issued to extend the insurance protection of employees. Issuing an ECLI policy is a mandatory legal requirement that ensures continuous protection of employees from risks associated with their professional activities. We recommend issuing a new contract in advance to comply with legal requirements and avoid interruptions in insurance coverage.
Yes, according to the Law of the Republic of Uzbekistan No. ZRU-210 of April 16, 2009, all employers (legal entities and individuals) are obliged to insure their civil liability no later than 15 days from the date of state registration or the conclusion of the first employment contract.
According to the Code of Administrative Responsibility of the Republic of Uzbekistan (Article 49-2), the fine is up to 10 times the minimum wage. With the minimum wage in 2025, this could amount to up to 3.4 million UZS.
Calculation formula: Premium = Insured Amount × 0.1% × Hazard Coefficient Base rate: 0.1% per annum (uniform for all) Hazard class coefficients: from 1.0 to 4.286 Insured amount = annual payroll fund (APF) of all employees
The insured amount is equal to the annual payroll fund of all employees: For those working >1 year: APF for the previous 12 months For new employers: planned APF for 12 months For those working <1 year: APF for the period of activity
According to clause 34 of the Rules, the insurer is obliged to make a decision and pay compensation no later than 10 working days from the date of submission of all necessary documents.
Yes, since July 1, 2022, it has been permitted to issue electronic policies (E-policies) through the insurers' information systems. The policy becomes valid immediately after payment, starting from 00:00 of the next day.
The employer must notify the insurer of the change in the APF within 5 working days. The insurance premium is recalculated in proportion to the remaining insurance period.
If the annual payroll decreases, the employer is entitled to receive a portion of the insurance premium in proportion to the decrease in the APF and the unexpired term of the contract.
Calculation examples (with an annual APF of 1 billion UZS): Office company (class 1): 1 million UZS per year Trading company (class 5): 1.5 million UZS per year Manufacturing (class 10): 2.5 million UZS per year Construction (class 15-20): 3-4 million UZS per year Hazardous production (class 32): up to 4.3 million UZS per year
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