About the company
RSHB-Insurance (RSHB-Insurance Joint-Stock Insurance Company) belongs to the banking group of Russian Agricultural Bank (Rosselkhozbank). It has operated under its current brand since September 2011. Together with its subsidiaries RSHB-Life Insurance LLC and RSHB-Financial Consulting LLC it forms an insurance group.
Its main specialisation is agribusiness risk. According to the company, in 2017–2019 it ranked first in Russia for agricultural insurance. RSHB-Insurance is nonetheless a multi-line insurer: it serves farmers, industrial companies and individuals, including the shareholder bank’s customers in the regions.
The company is a member of the All-Russian Insurance Association. Its Bank of Russia licences No. 2947 cover voluntary property and personal insurance, OSOPO, OSGOP, compulsory state insurance of military personnel and reinsurance. It does not sell OSAGO.
Insurance products
For farmers and businesses
- Agricultural insurance — crops, perennial plantings, farm animals and aquaculture, including state-supported cover under Federal Law No. 260-FZ, where the state reimburses part of the premium.
- Commercial property, machinery and fleets, cargo, marine and construction and erection risks.
- General and professional liability, compulsory OSOPO (hazardous facility liability) and OSGOP (carrier liability).
- Employee health insurance and employee accident insurance.
For individuals
KASKO (motor hull insurance), home and apartment insurance, travel insurance, accident insurance, voluntary health insurance (DMS) and animal insurance.
State-supported agricultural insurance requires care: the contract must meet the requirements of the law and the unified rules, and the deadlines for reporting crop or livestock losses and the expert assessment procedure are strictly defined. If you are a farmer, check the document list and inspection procedure with the insurer in advance.
The company is especially convenient for Russian Agricultural Bank customers in the regions: a loan for machinery, livestock or sowing, insurance of the pledged property and crop insurance can all be arranged within one group. Its licence for compulsory state life and health insurance of military personnel also allows it to take part in public procurement of such cover.
Key figures
According to the Bank of Russia, in 2025 RSHB-Insurance collected RUB 13.2 billion in premiums and paid out RUB 11.2 billion, ranking 27th in the insurance market (a share of about 0.3%). A high payout ratio is typical of agricultural insurance, where results depend heavily on the weather. In the first half of 2026 — RUB 6.1 billion in premiums and RUB 6.2 billion in payouts (32nd place).
Rating and financial strength
On 07.10.2026 Expert RA affirmed the company’s rating at ruAA+ with a stable outlook — one of the highest reliability levels on the agency’s national scale.
Contacts and claims
- Hotline: 8 800 700-45-60 (free within Russia), e-mail: info@rshbins.ru.
- Website: www.rshbins.ru — branch contacts, policy rules, claim forms.
- Head office: 3 Gagarinsky Lane, Moscow.
When an insured event occurs, notify the company as early as possible and keep evidence: photos and video of the damage, reports and certificates from the authorities (the Emergencies Ministry, police, weather service in case of natural disasters). Farmers should not harvest lost crops or dispose of dead animals before the insurer’s inspection unless the rules provide otherwise.
If you disagree with a claim decision, send a written claim; individuals can apply to the Financial Ombudsman, companies — to court. Learn more in the Insured event section. Compare insurers in the directory or request a quote for a farm or business via a request to Polis Re specialists.