About the company
ASTK (Insurance Company ASTK LLC) is a Moscow-based insurer registered in 2013 that works mainly with corporate clients. The CEO is Konstantin Aksyonov. The company is a member of the All-Russian Insurance Association (VSS).
Its current Bank of Russia licences No. 4334 were issued in February 2024 and cover voluntary property insurance (SI), voluntary personal insurance other than life (SL) and reinsurance (PS). Its licences do not include compulsory lines — OSAGO, OSOPO, OSGOP — and the company does not write life insurance.
Insurance products
For business
- Commercial property insurance — real estate, equipment, inventory.
- Cargo insurance for shipments within Russia and abroad.
- Aviation and marine insurance.
- Third-party liability and professional liability.
- Employee health insurance and employee accident insurance.
For individuals
Individuals can buy property insurance, accident insurance, voluntary health insurance (DMS) and travel insurance. It is best to check the scope and terms of retail products with the company before buying.
The company also accepts risks from other insurers as reinsurance: according to the Bank of Russia, inward reinsurance amounted to about RUB 285 million in 2025.
Key figures
According to the Bank of Russia, in 2025 ASTK collected RUB 7.7 billion in premiums and paid out RUB 463 million, ranking 36th in the market (a share of about 0.2%). In the first half of 2026 — RUB 4.1 billion in premiums and RUB 853 million in payouts (38th place).
A small payout-to-premium ratio is typical of large corporate risks: losses are rare but large, so one year’s result may differ sharply from the next.
Ratings and financial strength
- Expert RA — ruAA on the national scale, stable outlook (affirmed 15.04.2026; at this level since 2024);
- Expert RA — BBB+ on the international scale, stable outlook (15.04.2026; upgraded from BBB assigned in February 2026).
A ruAA rating means a very high level of reliability on the agency’s scale and usually meets banks’ and leasing companies’ requirements for an insurer.
What to consider when insuring corporate risks
Before signing a contract, prepare information on the insured objects: the value and year of construction of buildings, the list of equipment, security and fire-suppression systems, and the loss history for 3–5 years. Compare not only rates across insurers but also deductibles, limits, exclusions and how the loss is determined. For cargo, agree in advance which documents are needed if a consignment is damaged and who appoints the surveyor. For employee health insurance, check the list of clinics in the regions where your company operates.
Contacts and claims
- Phone: +7 (495) 139-40-88, e-mail: info@astk-insur.ru.
- Website: www.astk-insur.ru — licences, policy rules, financial statements.
- Office: 1 2nd Syromyatnichesky Lane, Moscow.
When an event occurs, notify the insurer within the period set by the contract, take reasonable steps to reduce the loss and keep damaged property until the inspection. Collect documents from the authorities, reports and correspondence with the carrier or counterparty.
In a dispute with the insurer, individuals can apply to the Financial Ombudsman, while companies send a written claim and then go to the commercial (arbitrazh) court. Learn more in the Insured event section. Compare the company with others in the insurer directory or get business quotes via a request to Polis Re specialists.