Why is an OSGOR policy needed?

It protects the employer financially when liability arises for harm to an employee’s life or health suffered in the course of their work duties. The injured person or their family receives monetary compensation, and the company does not pay it out of its own funds.

Is the policy compulsory for every employer?

Yes. Under Law ZRU-210 of 16.04.2009 all employers — both legal entities and individuals — must insure their civil liability. This must be done no later than fifteen working days from state registration or from signing the employment contract. Note that the period is counted in working days, not calendar days.

How is the price calculated?

Premium = annual payroll × 0.1% × occupational risk class coefficient. The base rate of 0.1% is the same for everyone. The coefficients are set by Cabinet of Ministers Resolution No. 443 of 15.07.2025: 20 occupational risk classes, 934 activity types, values from 0.571 to 7.714. The minimum premium for an annual contract is 0.25 BCV, that is 103,000 soums.

What counts as the sum insured?

The sum insured equals the annual payroll of all employees. For employers operating more than a year, the payroll for the previous 12 months is used; for new ones, the planned payroll for 12 months; if the activity lasts less than a year, the payroll for that period.

What is the fine for operating without a policy?

The Code of Administrative Liability provides for a fine of up to 10 base calculation values. At the current BCV of 412,000 soums that is up to 4.12 million soums.

For how long is the contract concluded?

For one year. If the employer operates for less than a year, the contract runs for the period of that activity. Once it expires a new contract must be arranged — we recommend doing this in advance so that cover is not interrupted.

Can the policy be arranged online?

Yes. Since 1 July 2022 electronic policies may be issued through insurers’ information systems. Submit a request on this page or call the 1147 contact centre. The policy takes effect from 00:00 the day after payment.

What if the payroll changes during the year?

The employer must notify the insurer within five working days. A supplementary agreement is concluded and the premium is recalculated in proportion to the remaining insurance period.

Can part of the premium be refunded?

Yes. If the annual payroll decreases, the employer is entitled to a refund of part of the premium — in proportion to the reduction in payroll and the unexpired term of the contract.

How quickly is a payment decision made?

The insurer must take a decision and make the payment no later than 10 working days from the date all required documents are submitted.

What does OSGOR cost for typical businesses?

Rough figures at an annual payroll of 1 billion soums: office and professional services (class 1, K=0.571) — about 571,000 soums a year; retail and food service (class 3, K=1.143) — about 1.14 million; machinery and processing (class 10, K=3.143) — about 3.14 million; textile manufacturing (class 14, K=4.286) — about 4.29 million; coal mining (class 20, K=7.714) — about 7.71 million. Your exact coefficient depends on your activity code.

What is an annuity contract and when is it needed?

If compensation involves payments lasting more than one year, the insurer transfers the amount to the employer, who then concludes an annuity contract within seven working days. Under it the injured person or their family receives regular periodic payments.

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English

Compulsory employer’s liability insurance

OSGOR for companies and entrepreneurs

The policy covers harm to an employee’s life and health suffered in the course of their work duties. Every employer must arrange it — no later than 15 working days from state registration or from signing the first employment contract.

Base rate 0.1%

The same for everyone; the final price depends on the risk class

20 risk classes

Coefficients 0.571–7.714 under CMR No. 443 of 15.07.2025

E-policy in 5 minutes

Online, effective from 00:00 the day after payment

Fine up to 4.12 mln soums

For operating without a policy — up to 10 BCV

Calculate the premium

A safety engineer in a white hard hat and high-visibility vest briefing two workers in protective gear beside machinery on a factory floor

Request an OSGOR quote

What the policy covers

Harm to an employee’s life and health

A payment is due when the harm is connected with the performance of work duties. Compensation is made within the sum insured, which equals the annual payroll.

Accident at work

Injuries sustained while performing work: fractures, burns, falls from height, cuts.

Occupational disease

Acute and chronic conditions caused by harmful working factors — respiratory illness, musculoskeletal disorders, occupational poisoning.

Loss of working capacity

Payments for temporary or permanent loss of the ability to work, including where disability is established.

Death of an employee

Payments to beneficiaries — the family of the deceased — including funeral costs and subsequent regular payments under an annuity contract.

Calculate the premium

Based on the payroll and the occupational risk class

Who needs the policy and by when

Statutory requirements

The obligation is set by the Law on compulsory insurance of the employer’s civil liability (ZRU-210 of 16.04.2009) and the Rules approved by Cabinet of Ministers Resolution No. 177 of 24.06.2009.

Every employer

Legal entities and individual entrepreneurs with employees — regardless of ownership form or headcount.

15 working days

Working days, not calendar days: counted from state registration or from signing the employment contract.

Liability for having no policy

Operating without a valid policy leads to an administrative fine of up to 10 base calculation values — up to 4.12 million soums at the current BCV of 412,000.

On a hard day, what counts is what you arranged in advance

An accident at work always ends in a conversation with the injured person’s family. The only difference is how that conversation ends: with a promise that “we’ll think of something”, or with a specific amount already guaranteed by a contract.

“Who pays for this” is settled before anyone asks

No collecting money across departments, no explaining an unplanned expense to shareholders. Compensation follows the contract.

The family receives payments, not sympathy

Lost earnings, treatment, and for long-term cases an annuity contract with regular payments. That is what stays with people.

Your team remembers where you chose to save

Attitude to safety is read faster than any corporate values on the wall — especially where people work with their hands.

A ratio worth knowing

For a café with an annual payroll of 240 million soums the policy costs about 23,000 soums a month — less than one team lunch. Compensation for a single serious accident is measured in tens of millions.

Find out your price

What the policy costs

The premium is the product of three factors. The sum insured equals the annual payroll of all employees, the base rate is the same for everyone, and the coefficient depends on the occupational risk class of your activity.

Calculation formula

Annual payroll × 0.1% × risk class coefficient

The minimum premium for an annual contract is 0.25 of the base calculation value — that is 103,000 soums at the current BCV of 412,000 soums.

Low risk

Café, food service

Activity code 56 · class 3

Annual payroll240 mln soums

Base rate0.1%

Coefficient1.143

274,320 soums per year

about 22,900 soums a month

Medium risk

Textile manufacturing

Activity code 13 · class 14

Annual payroll1.8 bln soums

Base rate0.1%

Coefficient4.286

7,714,800 soums per year

about 643,000 soums a month

High risk

Coal mining

Activity code 05 · class 20

Annual payroll25 bln soums

Base rate0.1%

Coefficient7.714

192,850,000 soums per year

about 16.1 mln soums a month

How to find your coefficient

All activities are divided into 20 occupational risk classes covering 934 activity codes, with coefficients from 0.571 to 7.714. The current version was approved by Cabinet of Ministers Resolution No. 443 of 15 July 2025. The coefficient is determined by your primary activity code: values differ even within one industry — for example, garment making and fabric production fall into different classes.

Cover limits and legal basis

Compensation is paid in the amount of the harm caused, but no more than the sum insured under the contract.

What compensation includes

earnings lost during the period of incapacity

costs of treatment, rehabilitation and prosthetics

a lump-sum payment when disability is established

payments to the family and funeral costs if an employee dies

regular payments beyond one year — through an annuity contract

Worth keeping in mind

the sum insured is reduced by every payment made — the premium then has to be topped up

if the payroll changes, the employer notifies the insurer within 5 working days

harm unrelated to the performance of work duties is not covered by this contract

a decision on payment is taken within 10 working days of receiving the full set of documents

Request a quote

Legal framework

Law ZRU-210, 16.04.2009On compulsory insurance of the employer’s civil liability

CMR No. 177, 24.06.2009Rules: sum insured, premium, payment procedure and annuities

CMR No. 443, 15.07.2025Current coefficients across 20 risk classes and 934 activity types

What you will need

The essential set

The calculation rests on the payroll and the type of activity. The rest is needed to draw up the contract and the electronic policy correctly.

Payroll

Annual payroll of all employees: for the past 12 months, or the planned figure for the next 12 months for new employers.

Type of activity

Your primary activity code — it determines the occupational risk class and the coefficient applied to the tariff.

Company details

Taxpayer identification number and the state registration certificate for legal entities.

Entrepreneur’s document

For sole traders — a passport or other identity document and the personal identification number.

Contact details

Email and mobile number: the policy and contract notifications are sent there.

Headcount information

Number of employees and salary statements — if the calculation needs to be refined.

How to arrange the policy

Five steps

The contract is concluded for one year; if the employer operates for less than a year, it runs for the period of that activity.

Submit a request

Enter your company details, type of activity and payroll in the form on this page.

Check and quote

A specialist verifies the occupational risk class against your activity code and sends the exact premium.

Pay the premium

The premium is paid in a single instalment within five working days of concluding the contract.

Receive the e-policy

The electronic policy arrives by email and takes effect from 00:00 the day after payment.

Renew without a gap

We remind you a few weeks before the contract ends and prepare a new one — cover for your employees is never interrupted.

Get your OSGOR policy

Submit a request — a specialist will identify the occupational risk class for your activity code and send the exact premium. The electronic policy arrives by email right after payment.

Get the policy Or call 1147 — the call is free

A closer look at OSGOR

July 14, 2025

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.

July 14, 2025

OSGOR in Uzbekistan: Industry-Specific Features and Cost Optimization

Understanding OSGOR in Uzbekistan: 20 professional risk classes with coefficients 0.571–7.714 determine employer premiums. Learn how to plan and optimize.

Terms that help make sense of the contract

EUROASIA Insurance glossary

Corporate Insurance Compensation for damage Insurance indemnity Linked sum insured

Frequently asked questions

It protects the employer financially when liability arises for harm to an employee’s life or health suffered in the course of their work duties. The injured person or their family receives monetary compensation, and the company does not pay it out of its own funds.
Yes. Under Law ZRU-210 of 16.04.2009 all employers — both legal entities and individuals — must insure their civil liability. This must be done no later than fifteen working days from state registration or from signing the employment contract. Note that the period is counted in working days, not calendar days.
Premium = annual payroll × 0.1% × occupational risk class coefficient. The base rate of 0.1% is the same for everyone. The coefficients are set by Cabinet of Ministers Resolution No. 443 of 15.07.2025: 20 occupational risk classes, 934 activity types, values from 0.571 to 7.714. The minimum premium for an annual contract is 0.25 BCV, that is 103,000 soums.
The sum insured equals the annual payroll of all employees. For employers operating more than a year, the payroll for the previous 12 months is used; for new ones, the planned payroll for 12 months; if the activity lasts less than a year, the payroll for that period.
The Code of Administrative Liability provides for a fine of up to 10 base calculation values. At the current BCV of 412,000 soums that is up to 4.12 million soums.
For one year. If the employer operates for less than a year, the contract runs for the period of that activity. Once it expires a new contract must be arranged — we recommend doing this in advance so that cover is not interrupted.
Yes. Since 1 July 2022 electronic policies may be issued through insurers’ information systems. Submit a request on this page or call the 1147 contact centre. The policy takes effect from 00:00 the day after payment.
The employer must notify the insurer within five working days. A supplementary agreement is concluded and the premium is recalculated in proportion to the remaining insurance period.
Yes. If the annual payroll decreases, the employer is entitled to a refund of part of the premium — in proportion to the reduction in payroll and the unexpired term of the contract.
The insurer must take a decision and make the payment no later than 10 working days from the date all required documents are submitted.
Rough figures at an annual payroll of 1 billion soums: office and professional services (class 1, K=0.571) — about 571,000 soums a year; retail and food service (class 3, K=1.143) — about 1.14 million; machinery and processing (class 10, K=3.143) — about 3.14 million; textile manufacturing (class 14, K=4.286) — about 4.29 million; coal mining (class 20, K=7.714) — about 7.71 million. Your exact coefficient depends on your activity code.
If compensation involves payments lasting more than one year, the insurer transfers the amount to the employer, who then concludes an annuity contract within seven working days. Under it the injured person or their family receives regular periodic payments.

Still have questions?

Tell us about your operations — a specialist will identify the risk class and calculate the premium.