What Reso does

РЕСО-Гарантия (Reso) is a Russian multi-line insurance company founded in 1991 and headquartered in Moscow, operating as a closed joint-stock company (САО). The company serves approximately 10 million clients across retail and corporate channels, distributed through 1,200 offices in 16+ major Russian cities, 214+ insurance agents in Moscow alone, a 24/7 call center, the official reso.ru website, and the RESO Mobile (РЕСО Мобайл) mobile application on iOS, Android, and AppGallery. It holds a TOP-5 position in the Russian insurance market, ranks 2nd in voluntary health insurance (DMS), 3rd in voluntary auto insurance (CASCO), and carries an ruAA+ reliability rating from Expert RA.

The product portfolio spans auto insurance (mandatory OSAGO, voluntary CASCO, and the Blue Card international motor liability), property insurance (apartments, houses, mortgage-linked coverage, and neighbor civil liability), travel insurance, voluntary health insurance (DMS) including telemedicine and tick-borne infection coverage, accident insurance, and corporate lines including property, cargo, construction, and professional liability. The digital platform supports 5-minute online OSAGO issuance with vehicle-data auto-fill via integration with the Gosuslugi state services portal, multi-product bundling discounts of up to 30%, and a 15-day maximum property payout cycle. Distribution is augmented by preferred channel partnerships with Sberbank, VTB, Rosselkhozbank, DOM.RF, and Promsvyazbank for mortgage-linked products, plus a strategic alliance with MedSwiss (TOP-10 private clinic network per Forbes) anchoring DMS service delivery and a 10,000-clinic and 400+ service station network.

The business model is multi-channel and multi-product: revenue is generated through subscription-style annual premiums on auto, property, health, and accident lines, with pay-as-you-go pricing on travel and Blue Card products. Pricing varies by driver Bonus-Malus coefficient (KBM), vehicle value, coverage tier, region, and risk profile. Reso monetizes both retail volume (mass-market OSAGO, property, travel) and corporate value (DMS, fleet, cargo, professional liability), with insurance agent recruitment and training handled through an in-house "School of Insurance" program. The company has no disclosed parent, no venture or private equity backing, and no public ticker; ownership is structured as a closed joint-stock company, typical for the Russian insurance sector.

Name

Reso

Legal name

САО «РЕСО-Гарантия»

Website

https://reso.ru

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

101–250 employees

Short description

РЕСО-Гарантия (Reso) is a top-5 Russian multi-line insurer founded in 1991, serving roughly 10 million retail and corporate clients through 1,200 offices, 214+ agents, and the RESO Mobile app. It underwrites auto, property, travel, health (DMS), accident, and corporate lines via direct, agent, bank-channel, and digital distribution.

Ownership category

akta.pro rank

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Revenue model

1. Auto Insurance (ОСАГО + КАСКО): Core revenue stream from mandatory ОСАГО and voluntary КАСКО auto insurance. Individual pricing based on driver history, vehicle type, and coverage options. КАСКО includes options for franchise, repair at official dealers, and GAP coverage.
2. Property Insurance: Residential property insurance including apartments (Домовой programs), houses (РЕСО-Дом), mortgage insurance, and civil liability to neighbors. Annual policies with various coverage tiers and optional add-ons including terrorism and БПЛА coverage.
3. Travel Insurance: Travel insurance for domestic and international trips with medical coverage, trip cancellation, baggage loss, and sports activity coverage. Policy pricing based on destination, duration, traveler age, and coverage limits.
4. Voluntary Health Insurance (ДМС): Corporate and individual ДМС programs providing access to medical clinics including MedSwiss network. Includes telemedicine, preventive examinations, and specialized programs for students and labor migrants.
5. Tick-Borne Disease Insurance (Антиклещ): Specialized insurance against tick-borne infections covering treatment, hospitalization, rehabilitation, and medication costs. Multiple program tiers from 300₽ to 4,000₽ with coverage sums from 1.5 to 4 million rubles.
6. Accident Insurance: Personal accident insurance covering injuries, disability, and death benefits. Programs include Личная защита, Активная защита, family packages, and children's coverage. Global 24/7 coverage for ages 1-75.
7. Corporate Insurance: Business insurance including property, cargo, construction risks, professional liability, employee benefits (ДМС, accident), and fleet auto coverage. Customized solutions for industries, SMB, and large enterprises.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

RESO-Garantia is a Russian multi-line insurance company providing comprehensive insurance products for individuals (auto, property, travel, health, accident) and legal entities (corporate property, cargo, professional liability, fleet, DMS). It serves approximately 10 million clients through 1,200 offices, 214+ agents in Moscow, a 24/7 call center, the reso.ru website, and the RESO Mobile application.

Product overview

РЕСО-Гарантия (Reso) is a Russian insurance company offering a comprehensive portfolio of insurance products for both individuals and legal entities. The company operates as a multi-line insurer with core product categories including: auto insurance (ОСАГО mandatory liability, КАСКО voluntary, Синяя карта international), property insurance (Домовой for apartments, РЕСО-Дом for houses, mortgage insurance, civil liability), health insurance (ДМС medical programs, Антиклещ tick insurance, Телемедицина telemedicine), travel insurance (international and domestic), accident insurance, and business insurance (property, cargo, liability, construction). The product architecture follows a platform approach where core insurance products are complemented by modular add-ons (accident riders, telemedicine, civil liability extensions). The company emphasizes digital distribution through online purchase, mobile app (РЕСО Мобайл), and personal account management, with approximately 10 million clients and 1,200 offices across Russia.

Differentiator

Problem solved

Functional benefit

Brands

• Домовой: Property insurance product for apartments and homes
• РЕСОавто
• Доктор РЕСО
• Антиклещ
• Синяя карта

Products and services

• OSAGO (E-OSAGO) Mandatory auto liability insurance (OSAGO) available for online purchase as electronic policy. Covers damages caused to third parties in traffic accidents. Quick online purchase in 5 minutes with auto-fill by vehicle registration number. Average payout 65,000 rubles. Every 6th car in Russia insured via OSAGO with RESO.
• KASKO Voluntary vehicle insurance covering damages from accidents, theft, fire, natural disasters, and third-party actions. Includes repair at official dealerships or 400+ authorized partner stations, with option for franchise (up to 70% cost reduction) and GAP coverage. Installment payment available (2 or 4 parts). 3rd place in Russian CASCO market.
• Blue Card (Синяя карта) International motor liability insurance for trips abroad, replacing OSAGO in foreign territories. Currently valid for trips to Belarus. Coverage available from 15 days to 1 year with unlimited list of drivers. Passenger cars from 1,020 rubles (15 days).
• Domovoy (Apartment Insurance) Apartment insurance covering construction, finishing, movable property, and civil liability. Four program tiers from 8,000 rubles/year (Econom, 3.5M rubles construction) to 18,700 rubles/year (Premium, 10M rubles construction including terrorism and БПЛА coverage). Up to 30% discount for auto insurance customers. 15-day maximum payout period.
• RESO-Dom (House Insurance) Country house and dacha insurance covering main buildings, baths, household structures, finishing, and furniture. Multiple program options (Economy, Standard, Optimum, Premium) covering houses, baths, furnishings. Military risks and terrorism available as add-ons. Starting from 1,000 rubles. 30% discount for auto insurance clients.
• Civil Liability to Neighbors Civil liability insurance covering damages to neighbors from fire, flood, or explosion. Coverage sums from 100,000 rubles (900 rubles) to 3,000,000 rubles (15,000 rubles). Property age does not matter. Available for owners and renters.
• Mortgage Insurance Mortgage insurance covering life and health of borrower, property, and title. Includes coverage for disability, death, fire, flood, and loss of property rights. Works with banks including Sberbank, VTB, РоссельхозБанк, ДОМ.РФ, Промсвязьбанк, with special rates and simplified documentation.
• Travel Insurance Travel insurance for trips abroad and within Russia. Includes medical expenses, emergency hospitalization, dental care, medical repatriation, and optional coverage for sports, accidents, trip cancellation, and luggage. Coverage from 200,000 to 2,000,000 rubles for Russian citizens. 1 million clients insured annually with 70,000 medical assistance requests per year.
• Voluntary Health Insurance (DMS) Voluntary health insurance providing access to medical services through partner clinics including MedSwiss network. Includes Doctor RESO programs with personal physician, outpatient care, hospitalization, and specialist consultations. 2nd place in Russian DMS market with 2.3 million clients and 10,000 partner medical facilities across 60 regions.
• Antikleshch (Tick-borne Disease Insurance) Tick bite insurance covering tick-borne infections including encephalitis, borreliosis, anaplasmosis, ehrlichiosis, and rickettsiosis. Seven program options from 300 rubles (1.5M rubles coverage, 40-day observation) to 4,000 rubles (4.1M rubles coverage, 60-day observation, telemedicine, hospitalization bonus). Policy effective after 5 days.
• Accident Insurance Accident insurance covering injuries, burns, disability, and death benefits. Programs include Личная защита, Активная защита, Premium protection, Подорожник (travel accident), Family universal, Children's coverage, and РЕСО-Надежда (critical illness). Coverage for ages 1-75 years, valid 24/7 worldwide. 3.5 million clients under accident insurance protection.
• Corporate Property Insurance Business property insurance covering industrial facilities, small and medium business assets, and equipment. Includes base risk package (fire, water damage, natural disasters, theft) and additional coverage options (glass breakage, electronic equipment, terrorism). 5th place in Russian corporate property insurance market.
• Cargo Insurance Cargo insurance covering goods during transportation and temporary storage. Financial protection for any cargo types during shipping.
• Corporate DMS (Voluntary Health Insurance for Legal Entities) Corporate health insurance programs including DMS Classic and DMS Small Business. Coverage includes MedSwiss clinic network, outpatient care, hospitalization, telemedicine, dental care, emergency services, and critical illness treatment abroad. Designed for SMB and large enterprises with customized employee benefit solutions.
• Professional Liability Insurance Professional liability insurance covering civil liability, professional liability for various professions (appraisers, auditors, lawyers, notaries, realtors, medical workers, customs brokers), and construction/project liability. Includes coverage for SRO members.
• Trip Cancellation Insurance Trip cancellation insurance covering costs if trip is cancelled due to visa denial, hospitalization, injury, or other covered reasons. Available as Basic or Optimal programs with optional deductible.
• Telemedicine Telemedicine service providing online consultations with doctors and psychologists 24/7. Covers general practitioners and specialists for adults and children, second medical opinion, psychological support, and oncology assistance through MedSwiss clinics. From 6,000 rubles/year (approximately 16 rubles/day). 100,000+ consultations provided annually.
• RESO-Vet (Veterinary Insurance) Veterinary insurance providing 24/7 online veterinary consultations for cats and dogs. Policy holders have access to round-the-clock professional veterinary advice.

Quantifiable outcome

• 10 million clients trust RESO for insurance protection
• +7 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core, major and minor.

• MedSwiss (МедСвисс)coreStrategic or Co-development PartnerStrategic partnership with MedSwiss medical network - TOP-10 private clinics in Russia according to Forbes. Provides ДМС services through MedSwiss facilities in Moscow and St. Petersburg. Also provides telemedicine consultations and oncology support through MedSwiss clinics.
• Russian Union of Insurers (РСА)coreStrategic or Co-development PartnerMember of Russian Union of Insurers (Российский союз автостраховщиков). Participates in ОСАГО system and Blue Card international insurance network.
• SberbankmajorChannel Partner/ Reseller/ DistributorPreferred insurance partner for Sberbank mortgage clients. Offers specialized property insurance products meeting bank requirements with simplified documentation and competitive rates.
• VTB BankmajorChannel Partner/ Reseller/ DistributorProvides mortgage insurance products for VTB bank customers with streamlined processing and special rates.
• RosselkhozbankminorChannel Partner/ Reseller/ DistributorAgricultural bank partnership for rural mortgage and property insurance solutions.
• DOM.RF (ДОМ.РФ)minorChannel Partner/ Reseller/ DistributorState mortgage institution partnership for housing insurance products.
• PromsvyazbankminorChannel Partner/ Reseller/ DistributorBanking partner for mortgage insurance services.
• 400+ СТОА Partner StationscoreStrategic or Co-development PartnerNetwork of 400+ authorized auto service stations across Russia for CASCO repairs. Provides vehicle repair services for insured vehicles with quality guarantee.
• 10,000 Medical Clinic PartnerscoreStrategic or Co-development PartnerExtensive network of 10,000 medical facilities across 60 regions providing ДМС services. Includes partner clinics in all major Russian cities.
• Financial Ombudsman ServicecoreImplementation/ SI/ Consulting PartnerPartnership with financial ombudsman (финансовый уполномоченный) for dispute resolution. Located at 119017 Moscow, Staromonetny pereulok 3.
• Blue Card System (Беларусь)coreStrategic or Co-development PartnerMember of international Blue Card insurance system for travel to Belarus. Provides ОСАГО replacement coverage for Russian vehicles traveling to Belarus.

Scale indicators19 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Росгосстрах (Rosgosstrakh): Rosgosstrakh is Russia's largest insurer by branch network with a dominant position in OSAGO and a broad multi-line portfolio (auto, property, life, investment-linked). Comparable to RESO as a legacy retail-focused multi-line insurer with extensive regional office coverage across Russia.
• СОГАЗ (SOGAZ): SOGAZ is Russia's largest insurance company by premium volume, offering multi-line coverage (auto, property, health, corporate, energy/marine) to individuals and enterprises. Directly comparable to RESO as a domestic multi-line insurer competing for the same customer base across OSAGO, CASCO, ДМС, and corporate lines.
• Сбербанк Страхование (Sberbank Insurance): Sberbank Insurance is the insurance arm of Sberbank, offering investment-linked life, OSAGO, property, and travel products through Sberbank's massive retail distribution. Directly competes with RESO particularly on mortgage-linked insurance and represents both a peer and a major distribution partner context (Sberbank is also RESO's bank partner).
• ВСК (VSK): VSK is a top-10 Russian multi-line insurer with strong positions in OSAGO, CASCO, property, and corporate insurance. Comparable to RESO in product breadth and target segments, with similar emphasis on both retail and corporate/SMB customers.
• МАКС (MAKS): MAKS is a mid-sized Russian multi-line insurer offering auto, property, health, and corporate coverage. Comparable to RESO as a domestic multi-line player, though smaller in scale, focused on similar retail and SMB customer segments.
• АльфаСтрахование (AlfaStrakhovanie): AlfaStrakhovanie is a top-5 Russian insurer within the Alfa Group ecosystem, offering OSAGO, CASCO, property, ДМС, travel, and corporate lines. Directly competes with RESO across virtually every product category, including digital distribution and corporate client acquisition.
• Ингосстрах (Ingosstrakh): Ingosstrakh is one of Russia's largest multi-line insurers, providing auto, property, travel, accident, and corporate coverage nationally. Closely comparable to RESO in product breadth, retail/corporate mix, and historical Top-5 market position in the Russian insurance industry.
• Ренессанс Страхование (Renaissance Insurance): Renaissance Insurance is a top-10 Russian multi-line insurer with notable positions in CASCO, OSAGO, and corporate insurance. Comparable to RESO in product mix, customer targeting, and growing emphasis on digital sales channels.

Broad incumbents

• Allianz Russia (Allianz Life / Allianz Insurance): Allianz operates in Russia through its life and P&C subsidiaries, offering auto, property, health, and corporate lines as part of its global insurance portfolio. Comparable to RESO in retail and corporate product overlap, but backed by a global reinsurance and capital base.
• Generali Russia (Generali Insurance & Generali Life): Generali operates in Russia through Generali Insurance (P&C) and Generali Life, providing auto, property, accident, and corporate insurance. Comparable to RESO in product overlap and customer targeting, but positioned as a global incumbent's local subsidiary rather than a domestically rooted multi-line carrier.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/reso.ru

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reso