The policy is issued to you as an individual, using your passport.
Mandatory under the Law on Realtor Activity from 8 November 2026
For realtors working as sole traders or self-employed. Policy 125,000 UZS a year: buy with your passport and pay online, the policy arrives by SMS and in your personal account.
The policy pays the injured party once a court confirms your liability. Limit: 50 million UZS per insured person.
Injury or death — up to 25 million UZS per insured person, no deductible.
Damaged or destroyed third-party property — up to 25 million UZS, 5% deductible.
Claim handling and court costs, if agreed with the insurer in writing in advance.
The policy runs for one calendar year from the day after payment.
125,000 UZS a year
The Law on Realtor Activity allows you to work as a real estate agent only with a civil liability insurance policy.
A sole trader or self-employed person who provides realtor services.
An agent must be on the Unified Register and hold a civil liability policy.
Show the policy when a client asks and state it in the service agreement.
For an agent the policy costs 125,000 UZS a year. That is 0.25% of the 50 million UZS sum insured — the limit per insured person.
Of the sum insured for one year.
Per year, paid once.
25 million for health and life, 25 million for property.
Property damage carries a 5% deductible; there is no deductible for harm to health.
No office visit and no paperwork.
Enter your passport series and number, date of birth and phone.
Check your details and phone number — the policy is sent there by SMS.
One-year policy — cover starts the day after payment.
Pay 125,000 UZS by card — the policy arrives by SMS and in your personal account.
Yes. Under Law No. ZRU-1163 on Realtor Activity a real estate agent is a sole trader or self-employed person (Article 3). From 8 November 2026 an agent may work only if listed in the Unified Register and holding a civil liability insurance policy (Article 20).
The agent must notify the authorised state body of the breach within five days and fix it within two months. Otherwise the agent is removed from the Unified Register, and realtor activity is not allowed without being on the register.
Yes. Under Article 22 an agent presents the policy at the client's request, and under Article 35 policy details are stated in the realtor service agreement.
An agency insures itself as a legal entity — there is a separate page for that. This page is for those who work on their own as sole traders or self-employed.
Call our contact centre on 1147 — we will help you choose the sum insured.
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