Kafolat Insurance Company JSC

Name

Kafolat Insurance Company JSC

Legal name

Kafolat Insurance Company JSC

Website

https://kafolat.uz

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• General insurance services
• Auto liability insurance
• Travel insurance coverage
• Property insurance policies
• Corporate insurance solutions

Headquarters

HQ city

Tashkent

HQ country

Uzbekistan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Revenue generated from insurance premiums paid by customers for coverage across auto, travel, property, health, and life insurance products. Premiums may be one-time or recurring depending on policy type.
2. Reinsurance Operations: The company maintains reinsurance partners and brokers, suggesting a portion of risk is ceded to reinsurers and may generate income through reinsurance commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Kafolat Insurance Company JSC is a licensed multi-line insurer operating in Uzbekistan that sells OSAGO (compulsory third-party auto liability), travel insurance, property insurance, personal insurance (health and life), and civil liability insurance. The company distributes these products through a nationwide branch network, a call center, an online self-serve website, and a Telegram bot to both individual consumers and corporate clients.

Product overview

Kafolat Insurance Company JSC is a multi-product insurance provider operating in Uzbekistan, offering a portfolio of insurance products under its KAFOLAT brand. The company's offerings include OSAGO (compulsory auto liability insurance), travel insurance with an online calculator for pricing, property insurance, personal insurance (health and life), and civil liability insurance. These products serve both individual consumers (Jismoniy shaxslarga) and corporate clients (Yuridik shaxslarga), with services available through the company's branch network and online platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• OSAGO

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Ukrainian Government (Agricultural Support Program)minorStrategic or Co-development Partner · 2 January 2026The Ukrainian government launched a state support program for agricultural produce insurance utilizing insurance company services. The program allocates 60 million UAH in the 2026 budget for farmer compensation of insurance premiums, requiring registration with the State Agrarian Register. Kafolat participates as a potential provider for this government-supported insurance initiative.
• State Agrarian Register of UkraineminorStrategic or Co-development PartnerAdministrative partner for the government agricultural insurance support program. Farmers must register with this register to participate in the state support program for insurance.
• Government Portal of UzbekistancoreOthersKafolat website includes links to official government portals including gov.uz, the Unified Corporate Information Portal, and the National Agency for Prospective Projects, demonstrating regulatory compliance and government relationship.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• AXA: Global multi-line insurer covering P&C, health, life, and travel insurance. Comparable as a broad incumbent whose diversified product set mirrors Kafolat's OSAGO, voluntary P&C, and personal lines portfolio.
• Zurich Insurance Group: Global multi-line insurer offering general liability, motor, property, and life coverage. Comparable to Kafolat in product breadth and in serving both individual and corporate customers across multiple geographies.
• Allianz: Global multi-line insurance and asset management group with deep emerging-market presence. Comparable as a broad incumbent whose portfolio of P&C, life, health, and travel products overlaps with Kafolat's full lineup.

Direct peers

• Uzagrosugurta: Uzbekistan's largest state-owned multi-line insurance company. Directly comparable to Kafolat in product mix (OSAGO, property, voluntary lines) and target customer segments within Uzbekistan.
• Gross Insurance Company: Uzbek multi-line insurer offering P&C and personal lines. Comparable to Kafolat as a domestic competitor targeting similar B2B and B2C segments across auto, property, and personal insurance.

Emerging players

• Lemonade: Digital-first multi-line insurer using self-serve mobile/web flows and AI-driven underwriting. Comparable to Kafolat's online calculator and Telegram-bot GTM as a technology parallel for digital insurance distribution.

Regional players

• Kommesk-Omir: Kazakhstan-based multi-line insurer serving both corporate and retail clients. Comparable to Kafolat as a Central Asian peer offering diversified P&C and life products in a neighboring emerging market.
• Halyk Insurance: Major Kazakh insurance arm within Halyk banking group; operates multi-line P&C and life in the same Central Asian region as Kafolat, serving a comparable emerging-market customer base with similar product offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/@kafolatuzb
• Facebookfacebook.com/kafolat.insurance
• LinkedInlinkedin.com/company/kafolat
• Instagraminstagram.com/kafolatuzb

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 Kafolat Insurance Company JSC