Question 1

Who must have civil liability insurance?

Accepted Answer

From 8 November 2026, when Law No. ZRU-1163 on Realtor Activity takes effect, everyone who provides realtor services must hold a policy: real estate agencies (Article 19) and real estate agents — sole traders or self-employed persons (Article 20).

Question 2

What happens if I work without a policy?

Accepted Answer

The agency or agent must notify the authorised state body of the breach within five days and fix it within two months. Otherwise they are removed from the Unified Register, and realtor activity is not allowed without being on the register.

Question 3

Do I have to show the policy to clients?

Accepted Answer

Yes. Under Article 22 a real estate agency must present the policy at the client's request, and under Article 35 policy details are stated in the realtor service agreement.

Question 4

How is this different from realtor professional liability insurance?

Accepted Answer

This policy covers harm to the life, health and property of third parties and meets the legal requirement. It does not cover a client's financial losses from a mistake in a deal — that is a separate product, professional liability insurance for real estate agencies, priced individually.

Question 5

How much does the policy cost?

Accepted Answer

The rate is 0.25% of the sum insured per year. The minimum sum insured is 50 million UZS and the policy for it costs 125,000 UZS. For 100 million UZS — 250,000 UZS, for 1 billion UZS — 2.5 million UZS.

Question 6

Which sum insured should I choose?

Accepted Answer

The sum insured ranges from 50 million to 100 billion UZS. The liability limit per insured person is 50 million UZS: up to 25 million for harm to health and life and up to 25 million for property damage. Insured persons are listed in the policy.

Question 7

How long is the policy valid?

Accepted Answer

One calendar year. The insurer's obligations start on the calendar day after the premium is paid.

Question 8

Can I get a refund if I cancel early?

Accepted Answer

If an insured event can no longer occur for reasons other than a claim, the premium is refunded pro rata for the remaining term minus 10% administrative costs. If a claim has already been paid under the policy, the premium is not refunded.

Question 9

What counts as an insured event?

Accepted Answer

The policyholder's or insured person's civil liability for harm to the life, health or property of third parties, confirmed by a court decision.

Question 10

Who is a third party?

Accepted Answer

People and organisations who suffered harm and have no contract with the policyholder. The policyholder, their family members, employees and anyone acting on their behalf are not third parties.

Question 11

What is not covered?

Accepted Answer

Intent of the policyholder or the injured party; nuclear explosion and radiation; military action, civil war, civil unrest and strikes. Non-pecuniary (moral) damage, harm to employees on duty, damage to your own or leased property, penalties and fines, and losses during suspension or loss of the right to operate are not compensated.

Question 12

What should I do if someone makes a claim?

Accepted Answer

Inform the insurer by calling 1147 within 48 hours and send a written notice with the circumstances and documents within 10 calendar days. Do not admit liability or pay the injured party without the insurer's written consent.

Question 13

Which documents are needed?

Accepted Answer

The policy, the injured party's claim, the policyholder's documents, the realtor qualification certificate, an extract from the Unified Register of Realtors, the court decision and documents on the amount of harm: reports, expert opinions, invoices, medical records.

Question 14

When is the claim paid?

Accepted Answer

Within 15 working days after the claim report is signed, to the injured party's account. A refusal is communicated, with reasons, no later than 15 days after the documents are received.

Sum insured	Premium per year
50 million UZS	125,000 UZS
100 million UZS	250,000 UZS
250 million UZS	625,000 UZS
500 million UZS	1,250,000 UZS
1 billion UZS	2,500,000 UZS

Realtor civil liability insurance

Buy realtor civil liability insurance

Insurance information

What the policy covers

Harm you cause to other people

Health and life

Third-party property

Claims and court

All of Uzbekistan, one year

No policy, no business

Real estate agency

Real estate agent

Clients can check

How much the policy costs

Premium at 0.25% a year

How to buy online

Four steps in the form above

Organisation

Policyholder

Sum and term

Payment

Terms that help you understand liability insurance

Frequently asked questions

Who must have civil liability insurance?

What happens if I work without a policy?

Do I have to show the policy to clients?

How is this different from realtor professional liability insurance?

Still have questions?