Energogarant
Energogarant is a Russian PAO multi-line insurer (founded 1993, Moscow) underwriting auto, mortgage, travel, property, life/health, and corporate insurance for retail and business clients across Russia via a 250+ office network and 60+ bank plus 40+ digital distribution partners.
- Company typePublic
- Founded1993
- HeadquartersMoscow, Russia
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Energogarant does
Energogarant (PAO SK Energogarant) is a Russian multi-line insurance company founded in 1993 and headquartered in Moscow at 23 Sadovnicheskaya Embankment, organized as a Public Joint-Stock Company and listed on the Moscow Exchange. The company underwrites both retail and corporate insurance across property, casualty, life, and health lines, with core products including mandatory OSAGO and voluntary CASCO auto insurance, mortgage insurance (property, life/health, and title), travel insurance, accident and health coverage including niche modules such as tick-bite insurance (from 250 rubles) and athlete insurance, voluntary health insurance for labor migrants, property insurance for residential and commercial real estate, and a broad corporate suite covering cargo, construction, transport, dangerous facilities, agricultural risk, and liability. Underwriting is supported by a captive reinsurance license and membership in all principal Russian industry pools (RAMI, NAAI, NULI, BCC, RNIP, RATSP).
The technology footprint is a digital insurance core rather than an AI-driven platform: an electronic policy-offer issuance system with verification codes (30-day activation window), an authenticity-verification service, online premium calculators for OSAGO/CASCO/mortgage/tick-bite/sports, a mobile application with QR-code distribution, a dedicated travel portal at travel.energogarant.ru that completes purchase in approximately five minutes, and a telemedicine component integrated with VHI programs. Websites are maintained in Russian, English, and Chinese versions, and policy documents are delivered by email.
Energogarant earns revenue through recurring insurance premiums (subscription / annual or pay-as-you-go for short-duration travel) priced on a quote basis dependent on insured risk, regulated or tariffed for mandatory lines, with distribution through a 250+ office direct network across Russia, 60+ federal and regional bank partners, 40+ digital platforms (including Gosuslugi), agents/brokers, and embedded dealer, travel, medical, and leasing partners. The corporate solutions unit explicitly extends into reinsurance services for other insurers. The 30+ year operating history, ACRA credit rating coverage, and Expert RA recognition constitute the company's stated reputational moat.
Energogarant firmographics
Firmographics- Name
- Energogarant
- Legal name
- Публичное акционерное общество "Страховая акционерная компания "ЭНЕРГОГАРАНТ"
- Website
- https://energogarant.ru
- Company type
- Public
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Energogarant is a Russian PAO multi-line insurer (founded 1993, Moscow) underwriting auto, mortgage, travel, property, life/health, and corporate insurance for retail and business clients across Russia via a 250+ office network and 60+ bank plus 40+ digital distribution partners.
- Ownership category
- akta.pro rank
Energogarant industry classification
Industry- Product category
- Multi-line Insurance
- NAICS
- Insurance Carriers (5241), Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)
- akta.pro secondary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Energogarant is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices5 records
Markets served
Energogarant business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Property Insurance: Provides insurance coverage for property including residential and commercial real estate, protecting against fire, theft, natural disasters, and other risks. Products include coverage for buildings, equipment, inventory, and other material assets.
- Auto Insurance (OSAGO and CASCO): Mandatory OSAGO (compulsory civil liability insurance) and voluntary CASCO (comprehensive auto insurance) products. OSAGO is regulated by the Central Bank of Russia with standardized pricing. CASCO offers flexible programs with various coverage options.
- Travel Insurance: Insurance coverage for travelers within Russia and abroad, including medical assistance, evacuation, emergency dental care, baggage protection, and accident coverage. Policies range from 1 day to 1 year.
- Mortgage/Property Insurance: Insurance products protecting borrowers, their families, and banks from financial consequences related to property, health, or ownership rights issues during mortgage loans. Includes property, life/health, and title insurance.
- Accident and Health Insurance: Personal accident insurance covering injuries, disability, and death, with optional accident and health coverage for adults and children. Also includes tick bite insurance starting from 250 rubles, and occupational accident coverage.
- Reinsurance Services: Energogarant conducts reinsurance activities, transferring part of obligations to reinsurance companies to help manage risk for other insurers.
- Voluntary Health Insurance (VHI/DMS) for Migrants: Voluntary health insurance programs for labor migrants, providing medical support and maintaining employee health and life.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Tick Bite Insurance - from 250 rubles per policy |
| Subscription | Annual | Mortgage insurance pricing varies by credit amount, tariffs, selected risks, property type, and borrower age/health |
| Subscription | Annual | CASCO insurance calculated individually based on vehicle and driver characteristics |
| Subscription | Annual | OSAGO pricing regulated by Bank of Russia using base rates and coefficients |
| Subscription | Pay-as-you-go | Travel insurance pricing varies by program, duration, age, coverage amount, additional risks, and trip purpose |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels6 records
Energogarant product offering
Product offeringCore offering
Energogarant is a Russian Public Joint-Stock insurance company providing multi-line insurance products including mandatory and voluntary auto insurance (OSAGO and CASCO), property, mortgage, travel, life and health, accident, and corporate insurance solutions. The company sells policies through direct online channels, a 250+ office network across Russia, and B2B2C partnerships with 60+ banks, 40+ digital platforms, and dealer/travel/medical/leasing partners. It also conducts reinsurance activities for other insurers.
Product overview
Energogarant is a Russian insurance company offering a comprehensive portfolio of insurance products through a multi-module platform approach. The core offerings include mandatory auto insurance (ОСАГО) and voluntary vehicle insurance (КАСКО), mortgage insurance with property, life/health and title components, travel insurance, life and health insurance (including accident, sportsmen, and tick bite coverage), property insurance, and extensive corporate solutions for businesses. The products serve both individual (retail) and corporate clients, with digital capabilities for online policy purchase, calculators for premium estimation, and mobile application access.
Differentiator
Problem solved
Functional benefit
Products and services
- OSAGO Mandatory Auto Liability Insurance (ОСАГО) Mandatory auto liability insurance that covers the policyholder's responsibility for damages caused to third parties in traffic accidents, including damage to vehicles, property, health, and life. Pricing is regulated by the Bank of Russia using base rates and coefficients (vehicle characteristics, driver age/experience, region, KBM bonus-malus).
- CASCO Voluntary Vehicle Insurance (КАСКО) Voluntary comprehensive auto insurance covering damage, destruction, or theft of the insured vehicle, including protection from accidents regardless of fault. Pricing is calculated individually based on vehicle make/model/year/market value, driver age and experience, region, franchise, and selected risks.
- Mortgage Insurance (Ипотечное страхование) Mortgage insurance bundling property insurance (mandatory), life and health insurance for borrowers, and title insurance for secondary-market property purchases. Designed for individuals taking mortgage loans and meeting bank requirements; cost depends on loan size, tariffs, selected risks, property type, borrower age/gender/health/profession.
- Travel Insurance (Страхование путешественников) Travel insurance for trips within Russia and abroad, providing medical assistance, emergency dental care, medical evacuation, repatriation, and baggage protection. Policies range from 1 day to 1 year; pricing varies by program, duration, age, coverage amount, additional risks, and trip purpose.
- Life and Health Insurance (Страхование жизни и здоровья) Life and health insurance programs covering accident insurance, sportsmen insurance, tick bite insurance, industrial climbers insurance, voluntary health insurance (DMS) for labor migrants, and telemedicine consultation services. Targeted at individuals and families needing protection against injury, illness, occupational risks, and travel-related health needs.
- Accident Insurance (Страхование от несчастных случаев) Personal accident insurance covering injuries, temporary disability, disability, and death resulting from accidents, with financial compensation for medical expenses. Includes optional accident and health coverage for adults and children, and occupational accident coverage.
- Tick Bite Insurance (Страхование от укуса клеща, NS-ANTIKLESHCH) Insurance covering medical expenses for tick bites including outpatient care, hospitalization, medication, rehabilitation, and compensation for disability or death from tick-borne diseases. Pricing starts from 250 rubles and varies by region (more endemic regions cost more).
- Property Insurance (Имущественное страхование) Property insurance protecting residential and commercial real estate against fire, theft, natural disasters, and other risks, covering buildings, equipment, inventory, and other material assets.
- Corporate Insurance Solutions (Корпоративные страховые решения) Business insurance solutions including property insurance, construction risk insurance, cargo insurance, transport insurance, agricultural insurance, dangerous facilities insurance, liability insurance, employee health insurance (VHI/DMS), and reinsurance services for other insurers. Customized for enterprises, organizations, and government entities.
- Reinsurance Services Energogarant conducts reinsurance activities, transferring part of obligations to reinsurance companies to help manage risk for other insurers.
Companies that use Energogarant
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles4 records
Energogarant technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Energogarant partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered minor, core and flagship.
- Festival-Competition Okno v Nebo (Window to the Sky)minorENERGOGARANT serves as a partner for the festival-competition 'Okno v Nebo' (Window to the Sky), a cultural/artistic event.
- OPORA ROSSII (Russian Union of Entrepreneurs) - Novosibirsk Regional BranchminorAn ENERGOGARANT representative serves on the Council of the Novosibirsk Regional Branch of OPORA ROSSII (Russian Union of Entrepreneurs), indicating active participation in business community development.
- 60+ Federal and Regional BankscoreENERGOGARANT has established partnerships with over 60 major federal and regional banks and financial organizations for mortgage insurance distribution. These banks recommend ENERGOGARANT insurance products to their mortgage borrowers, integrating insurance offerings into the loan origination process.
- 40+ Digital PartnerscorePartnerships with over 40 digital partners for online insurance distribution. These include digital platforms, online services, and technology companies that distribute ENERGOGARANT insurance products through their channels.
- HongqiflagshipENERGOGARANT became a partner for the Hongqi brand insurance program, providing insurance coverage for the Chinese premium automobile brand sold in Russia.
- MedAssist International LtdcoreMedical assistance provider for travel insurance, organizing medical, legal, and other assistance for persons away from their permanent place of residence. Serves as the assistance (assistance) company for ENERGOGARANT travel insurance policies.
- TravelFrog (OOO Balt Assistance)coreOOO Balt Assistance provides medical and travel assistance services, organizing medical, legal, and other assistance for persons away from their permanent place of residence. Partner assistance company for ENERGOGARANT travel insurance.
- National Union of Agricultural Insurers (NAAI)flagshipMember of the National Union of Agricultural Insurers, participating in agricultural insurance programs and industry standards development.
- National Union of Liability Insurers (NULI)flagshipMember of the National Union of Liability Insurers, participating in liability insurance industry development and standards.
- Russian Association of Motor Insurers (RAMI)flagshipMember of the Russian Association of Motor Insurers (RASAYSK), participating in auto insurance market development and standards.
- All-Russian Union of Insurers (BCC)flagshipMember of the All-Russian Union of Insurers, the main industry association for insurance companies in Russia.
- Russian Nuclear Insurance Pool (RNIP)flagshipMember of the Russian Nuclear Insurance Pool (ATOMPOOL), participating in nuclear risk insurance programs.
- Russian Anti-Terrorist Insurance Pool (RATSP)flagshipMember of the Russian Anti-Terrorist Insurance Pool, participating in terrorism risk coverage programs.
- Russian-Asian Union of Industrialists and Entrepreneurs (RAUIE/RASPP)minorMember of the Russian-Asian Union of Industrialists and Entrepreneurs, supporting cross-border business and Asian market partnerships.
- ROAD Association (Russian Auto Dealers Association)flagshipMember of the Russian Auto Dealers Association (ROAD), supporting distribution of auto insurance products through dealership networks.
- ACRA (Analytical Credit Rating Agency)minorENERGOGARANT is rated by ACRA (Analytical Credit Rating Agency), one of Russia's major credit rating agencies.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Energogarant competitors and assessment
Company assessmentDirect peers
- RESO-Garantia: One of the largest privately held Russian multi-line insurers with strong auto (OSAGO/CASCO), property, and personal lines focus. Highly comparable to Energogarant across retail product mix, geographic reach, and digital distribution.
- Rosgosstrakh: One of the oldest and largest Russian multi-line insurers with nationwide office network and broad retail and corporate book. Directly comparable to Energogarant in legacy scale, branch presence, and OSAGO-heavy mix.
- AlfaStrakhovanie: Top-5 Russian multi-line insurer tied to Alfa Bank, offering auto, property, life/health, travel, and corporate insurance. Comparable to Energogarant in product breadth and bank-channel distribution.
- Ingosstrakh: Major Russian multi-line insurer with deep corporate and retail presence, including auto, property, travel and accident lines. Comparable to Energogarant in scale, product breadth, and historical brand reputation.
- SOGAZ Insurance Group: Russia's largest state-linked multi-line insurance group, offering property, casualty, life, health, auto, corporate and aviation insurance. Directly comparable to Energogarant's multi-line retail and corporate underwriting model across the same geographic market.
- VSK Insurance House: Large Russian multi-line insurer offering OSAGO, CASCO, property, mortgage, life/health, and corporate insurance. Closely comparable to Energogarant in multi-channel retail and corporate distribution model.
- Sberbank Insurance (SberStrakhovanie): Insurance arm of Russia's largest bank, distributing life, auto, property and travel products through Sber's banking channel. Comparable to Energogarant in the bank-affinity distribution model, though with materially larger scale.
Broad incumbents
- Allianz Insurance Russia: Russian subsidiary of global insurer Allianz, offering P&C, life and health products. Comparable to Energogarant's product portfolio but with broader global backing and brand, operating as an incumbent multi-line player in the same market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Energogarant social profiles
Digital presenceEnergogarant financial estimates
Financial estimateRevenue estimate
Valuation estimate
Energogarant leadership team
Management profileNumber of profiles
Energogarant funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Energogarant M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Energogarant
What does Energogarant do?
Energogarant is a Russian Public Joint-Stock insurance company providing multi-line insurance products including mandatory and voluntary auto insurance (OSAGO and CASCO), property, mortgage, travel, life and health, accident, and corporate insurance solutions. The company sells policies through direct online channels, a 250+ office network across Russia, and B2B2C partnerships with 60+ banks, 40+ digital platforms, and dealer/travel/medical/leasing partners. It also conducts reinsurance activities for other insurers.
Is Energogarant a public or private company?
Energogarant is a public company. It is classified as public and is currently operating.
When was Energogarant founded?
Energogarant was founded in 1993. It employs 501 to 1,000 people.
Where is Energogarant based?
Energogarant is headquartered in Moscow, Russia, in the Europe region.
How does Energogarant make money?
Seven revenue lines are on record. Property Insurance is the primary driver. The others are auto Insurance (OSAGO and CASCO), travel Insurance, mortgage/Property Insurance, accident and Health Insurance, reinsurance Services and voluntary Health Insurance (VHI/DMS) for Migrants.
Who are Energogarant's main competitors?
Direct peers on record are RESO-Garantia, Rosgosstrakh, AlfaStrakhovanie, Ingosstrakh, SOGAZ Insurance Group, VSK Insurance House and Sberbank Insurance (SberStrakhovanie). Allianz Insurance Russia is listed as a broad incumbent.
Does Energogarant have an API?
No public API is recorded for Energogarant.
What industry is Energogarant in?
Energogarant's product category is Multi-line Insurance. Its primary akta.pro industry code is THALALAK, Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance, with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5241 and its SIC code is 6399.