Absolute Insurance

What Absolute Insurance does

Absolute Insurance (ООО «Абсолют Страхование») is a privately-held Russian general insurance company founded in 1992 and headquartered in Moscow. Operating under supervision of the Central Bank of Russia and holding a ruA+ financial stability rating from Expert RA, the company serves both individual consumers and corporate clients across 23 Russian regions through a 700-person workforce and a network of regional branches. Its portfolio spans mortgage, auto (OSAGO and CASCO), travel, life and health, and personal property insurance for individuals, alongside corporate property, liability, transport, personnel, and tailored industry-specific programs for sectors including banking, industrial enterprises, retail, HoReCa, agriculture, real estate development, and pharmaceuticals.

The company's technology stack centers on a digital insurance platform with online policy purchase, remote claims handling, an iOS/Android mobile application for corporate DMS clients, integration with Yandex Alice voice assistant, and four proprietary B2B software products: a Mortgage B2B Platform, an Integration Gateway for Payments, a Landing Constructor, and a Motors Platform. The company also operates a Universal Integration Gateway that connects partner systems via API, and supports modern payment rails including the System of Fast Payments (SBP) QR code and a partner ATM network through Transcapitalbank. The platform architecture is explicitly B2B2C, enabling distribution through bank partners (notably Sberbank), an agent and broker network, and direct online sales.

Revenue is generated primarily through insurance premiums collected across the personal and commercial product set, supplemented by agent and broker commissions. Pricing is largely quote-driven by line of business, with subscription pricing introduced for niche products such as the Rostelecom acoustic cabin coverage (499 rubles/month or 4,990 rubles/year). Annual premium collections are approximately 5 billion rubles, supported by 1.7 billion rubles in equity capital and 7.4 billion rubles in total assets, positioning the company within the top-20 Russian insurers while ranking top-3 in customer ratings on Sravni.ru and top-10 on Banki.ru.

Name

Absolute Insurance

Legal name

ООО «Абсолют Страхование»

Website

https://absolutins.ru

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

101–250 employees

Short description

Absolute Insurance is a privately-held Russian general insurer founded in 1992, offering property, auto, mortgage, travel, life and health, and corporate insurance products to individuals and businesses across 23 Russian regions through digital platforms, bank partnerships, and a 700-person workforce.

Ownership category

akta.pro rank

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of insurance premiums across multiple product lines including property, auto (OSAGO, KASKO), travel, life and health, mortgage, and corporate insurance products.
2. Agent/Broker Commissions: Commission income from insurance agents and brokers distributing Absolute Insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

Absolute Insurance is a Russian insurance company providing a comprehensive portfolio of insurance products for individuals (mortgage, auto OSAGO/KASKO, travel, life and health, residential property) and for corporate clients (commercial property, liability, transport, personnel DMS, and tailored industry programs for banking, industrial, retail, HoReCa, agriculture and more). The company complements these insurance offerings with proprietary B2B software platforms (B2B Mortgage Platform, Integration Gateway for Payments, Landing Constructor, Motors Platform, Universal Integration Gateway) that enable brokers, banks, and partners to distribute and integrate Absolute Insurance products.

Product overview

Absolute Insurance (Абсолют Страхование) is a Russian insurance company operating since 1992, offering a comprehensive portfolio of insurance products for both individuals (B2C) and legal entities (B2B). For individuals, the core offerings include mortgage insurance, auto insurance (OSAGO/CASCO), travel insurance, life and health insurance, and property insurance for apartments and homes. For corporate clients, the company provides industry-specific solutions covering property, liability, transport, personnel, and specialized sectors like banking, industrial enterprises, cottage development, retail, HoReCa, and agriculture. The product portfolio also includes proprietary software products: Integration Gateway for Payments, Landing Constructor, Motors Platform, and Universal Integration Gateway - these B2B technology solutions enable partner integrations and digital insurance distribution. The B2B Mortgage Platform serves as a recognized digital solution for mortgage insurance partners. The company also offers consumer-facing digital tools including a mobile health insurance app and Yandex Alice voice assistant skill.

Differentiator

Problem solved

Functional benefit

Brands

• Абсолют Страхование. Здоровье: Mobile application for corporate clients with voluntary health insurance (DMS) programs.

Products and services

• Mortgage Insurance (Ипотечное страхование) Insurance for mortgage borrowers covering life, collateral property, and title for private individuals taking out property loans.
• Auto Insurance — OSAGO and KASKO (Страхование авто) Compulsory motor liability (OSAGO) and voluntary motor (KASKO) insurance for private vehicle owners, with online purchase and renewal.
• Travel Insurance (Страхование путешественников) Travel insurance for trips abroad and within Russia, including options for sports and active recreation, served via Eurasia Assistance for international medical assistance.
• Personal Life and Health Insurance (Жизнь и здоровье) Personal accident, tick/animal bite, international student insurance, and voluntary health insurance (DMS) for migrant workers, sold to individuals.
• Personal Property Insurance (Страхование имущества) Insurance for apartments, townhouses and private homes for individual owners, with an option to purchase via the EPD utility single payment document.
• Corporate Property Insurance (Страхование имущества для бизнеса) Commercial property insurance for legal entities covering construction and installation risks, cargo, art objects, agricultural risks, and enterprise property.
• Corporate Liability Insurance (Страхование ответственности) Coverage for businesses across general civil liability, SRO members, emergency-consequence costs, product manufacturers, event organizers, dangerous production facilities, carriers, clinical trials, tenants, and professional liability.
• Corporate Transport Insurance (Страхование транспорта) Insurance for special equipment, railway, auto, and water transport operated by legal entities.
• Corporate Personnel Insurance (Страхование персонала) Employee coverage for businesses including business travel, voluntary medical insurance (DMS), accident insurance, and preferential employee insurance programs.
• Industry-Specific Insurance Programs (Продукты по отраслям) Tailored industry insurance programs for exhibitions, commercial real estate, retail, transport and logistics, HoReCa, industrial enterprises, cottage community development, banks and financial institutions, construction, agriculture, leasing, and pharmaceuticals.
• Bank and Financial Institution Insurance Program (Банки и финансовые институты) Comprehensive program for banks and financial institutions covering property, own risks, DMSI, crime insurance (BBB), electronic and computer crime (ECC), professional indemnity (FIPI), D&O, and bank card issuer coverage.
• Acoustic Cabin Insurance Subscription (Страховая подписка для акустических кабин) Subscription-based insurance for acoustic cabins used for remote work, covering fire, theft, robbery, vandalism, and hooliganism risks, priced at 499 rubles/month or 4,990 rubles/year, available for legal entities working with PJSC Rostelecom.
• Integration Gateway for Payments (ПО 'Интеграционный шлюз для платежей') Standalone integration software sold to B2B partners for seamless payment processing with Absolute Insurance products.
• Landing Constructor (ПО 'Конструктор лендингов') Standalone landing page builder software licensed to B2B partners for promoting Absolute Insurance products.
• Motors Platform (ПО 'Платформа Моторы') Standalone digital platform sold to B2B partners (dealers, motor distributors) for motor insurance product management.
• Universal Integration Gateway (ПО 'Универсальный интеграционный шлюз') Standalone universal integration solution licensed to B2B partners for connecting various partner systems with Absolute Insurance.
• B2B Mortgage Platform (B2B Ипотека) Market-recognized digital platform licensed to B2B partners (banks, brokers) for mortgage insurance quoting, issuance, and servicing.

Quantifiable outcome

• 4.9/5 customer satisfaction rating based on 900 reviews, demonstrating high client satisfaction with service quality.
• +2 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature7 records

Partnerships

Six partnerships are on record, tiered core, minor and moderate.

• Rostelecom (Ростелеком)coreStrategic or Co-development Partner · 13 July 2026Rostelecom and Absolute Insurance have expanded protection capabilities for PVZ (pickup points) and small business offices. This partnership provides insurance coverage for Rostelecom's acoustic cabins used for remote work, with a specialized subscription product at 499 rub/month or 4,990 rub/year, covering risks including fire, theft, robbery, vandalism, and hooliganism.
• Sberbank (Сбербанк)coreChannel Partner/ Reseller/ DistributorSberbank distribution channel for mortgage insurance and borrower protection products. Absolute Insurance ranks among leaders in Sberbank's mortgage life insurance payout ratings.
• TranscapitalbankminorChannel Partner/ Reseller/ DistributorTranscapitalbank ATM network used by Absolute Insurance customers to pay insurance premiums without commission.
• Yandex (Alice Voice Assistant)moderateTechnology or IntegrationIntegration of Absolute Insurance services with Yandex Alice voice assistant, enabling policy inquiries and premium calculations through voice commands.
• Insurance Agents and Brokers NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of independent insurance agents and brokers selling Absolute Insurance products across Moscow, Moscow Oblast, and Russian regions, with individual commission agreements.
• Eurasia Assistance (Евразия Ассистанс)moderateTechnology or IntegrationService center partner for international travel insurance, providing medical assistance coordination for clients traveling abroad.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Ingosstrakh: Major Russian multi-line insurer with broad product coverage including auto, property, travel, life, and corporate lines. Comparable in product breadth and target segments to Absolute Insurance, but significantly larger scale and broader geographic reach make it a broader incumbent.
• AlfaStrakhovanie: Top-5 Russian multi-line insurer affiliated with Alfa-Bank, offering personal and corporate insurance across all major lines. Highly comparable to Absolute Insurance in B2C/B2B dual focus and multi-channel strategy, with stronger bank-distribution economics.
• Sberbank Insurance (Sber Strakhovanie): Bank-affiliated insurance arm of Sberbank offering life, health, and property insurance with deep embedded distribution. Comparable to Absolute Insurance as a multi-line Russian insurer, but with structural advantage of being integrated into Russia's largest bank's customer ecosystem.
• Rosgosstrakh: One of the oldest and largest Russian insurers with deep nationwide branch network covering personal and corporate lines. Comparable in product breadth and multi-channel approach, but operates at substantially larger scale and stronger brand recognition.
• SOGAZ: Largest Russian insurer by premiums, affiliated with Gazprombank, covering personal and corporate lines across all major categories. Comparable as a multi-line Russian insurer, but operates at vastly larger scale with state-connected corporate clients.

Direct peers

• RESO-Garantia: One of Russia's largest multi-line insurers offering auto, property, health, and corporate coverage to individuals and businesses. Directly comparable to Absolute Insurance in product mix, multi-channel distribution, and B2C/B2B dual focus, though operating at a larger premium scale.
• VSK (Voyenno-Strahovaya Kompaniya): Russian multi-line insurer serving both individuals (auto, property, health) and corporate clients across many industries. Comparable to Absolute Insurance in product breadth, geographic distribution model, and dual B2C/B2B positioning at similar tier of the Russian market.
• Energygarant: Russian insurer with historical strength in corporate and industrial insurance, also serving individual customers. Comparable to Absolute Insurance in corporate B2B focus and multi-line personal coverage, with similar mid-tier market position.
• Renaissance Insurance: Mid-tier Russian multi-line insurer with both B2C and B2B offerings including auto, property, health, and corporate coverage. Closely comparable to Absolute Insurance in scale, product mix, and market positioning within the Russian insurance landscape.
• MAKC (Mezhdunarodnaya Assotsiatsiya Kachestva): Russian insurance group offering personal and corporate lines including auto, medical, property, and travel insurance. Comparable to Absolute Insurance as a multi-line mid-tier Russian carrier with overlapping customer segments and product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/absolutinsurance
• LinkedInlinkedin.com/company/absolutins

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Absolute Insurance