About the company

Energogarant (PJSC Joint-Stock Insurance Company ENERGOGARANT) is a multi-line insurer founded in 1992. Its founders were major regional power utilities, an industry trade union and a bank, so the company has historic ties to the energy sector, but today it serves all types of customers — from car owners to industrial enterprises.

According to the company, it has more than 250 offices across Russia. Energogarant is a member of the Russian Union of Motor Insurers (RSA). Its Bank of Russia licences No. 1834 cover voluntary property and personal insurance, OSAGO, OSOPO, OSGOP and reinsurance.

Insurance products

For individuals

For business

Corporate insurance is the company’s strength: commercial property, construction and erection risks, cargo, fleets, marine and aviation, general and professional liability and directors’ and officers’ liability (D&O). It also offers OSOPO for hazardous industrial facilities, OSGOP for carriers, agricultural insurance, employee health and employee accident insurance.

For companies operating hazardous facilities (boiler houses, gas equipment, lifting machinery, filling stations), an OSOPO policy is mandatory under Federal Law No. 225-FZ: the facility cannot be operated without it. Passenger carriers must insure their liability under OSGOP (Federal Law No. 67-FZ). For large clients the company usually offers comprehensive programmes in which property, liability and staff are insured in a single package with a common claims procedure.

Key figures

According to the Bank of Russia, in 2025 Energogarant collected RUB 21.6 billion in premiums and paid out RUB 12.0 billion, ranking 23rd in the market (a share of about 0.5%). In the first half of 2026 it collected RUB 9.8 billion and paid RUB 5.9 billion (24th place).

Ratings and financial strength

  • Expert RA — ruAA-, stable outlook (22.10.2025);
  • ACRA — AA-(RU), stable outlook (26.06.2026).

Two independent ratings at the same level are a good signal for corporate clients whose tender rules and lending banks’ requirements call for an insurer with confirmed financial strength.

OSAGO and KASKO

The OSAGO price is calculated using a single Bank of Russia formula: the base rate is multiplied by factors for region, bonus-malus, driver age and experience, engine power and others. You can estimate the cost with the OSAGO calculator, and KASKO with the KASKO calculator. OSAGO limits are RUB 400,000 for property and RUB 500,000 for harm to life and health; under the European accident report (europrotokol) — up to RUB 100,000, or up to RUB 400,000 when the accident is recorded via Gosuslugi Avto.

Contacts and claims

  • Phone: +7 (495) 737-03-30.
  • Website: www.energogarant.ru — office addresses, online policies, claim forms.
  • Head office: 23 Sadovnicheskaya Embankment, Moscow.

What to do after an insured event: make the scene safe, record the circumstances (photos, video, certificates), notify the company within the period set in the policy and do not dispose of damaged property before the inspection. Corporate clients should agree the notification procedure and document list with the insurer in advance — this noticeably speeds up the settlement of large losses.

If the claim is not agreed, send a written claim and then apply to the Financial Ombudsman (for individuals) or go to court. Learn more in the Insured event section. You can compare Energogarant with other insurance companies or request business quotes via a Polis Re request.