APEX INSURANCE: Growth and Strengthening Leadership in the Uzbek Insurance Market
Special Project
2025 was a significant milestone for APEX INSURANCE. The company demonstrated strong financial results, implemented a sustainable growth strategy, and strengthened its position as a leader in the Uzbek insurance market.
Key Performance Indicators
• Total insurance premiums reached 4,122 billion soums, an increase of 50% compared to 2,758 billion soums in 2024. The company's market share reached 32%, the highest in the market.
• Insurance Claims. Over the year, the volume of claims increased by 25.2% to 868.5 billion soums. The company settled 98.4% of all incoming claims—19% higher than last year and one of the highest results in the market.
• Net profit reached 299 billion soums. The growth was driven by the expansion of the insurance portfolio, controlled level of insurance payments, and high investment income.
• Equity increased by 46% to 1,136 billion soums (777.6 billion soums in 2024). APEX INSURANCE remains the largest insurance company by authorized capital. As of the end of 2025, it amounted to 900 billion soums, corresponding to 23% of the total authorized capital of all insurance companies in the country.
• Assets increased by 43% to 3,666 billion soums (2,573 billion soums in 2024). Total investments, including funds in bank accounts, amounted to 2,001 billion soums, an increase of 109% compared to the previous year.
• The number of active policies at the end of the year reached 1.5 million, and the total insurance coverage under them amounted to 878 trillion soums.
Current performance continues the trend established in 2023, when the company's insurance premium volume exceeded 1 trillion soums for the first time. Over the following two years, this figure quadrupled, reflecting business expansion and robust demand from the corporate and retail segments.
High Financial Strength Ratings
APEX INSURANCE's financial stability and strong capitalization are confirmed by ratings from leading national and international rating agencies:
• "uzA++" with a stable outlook from Ahbor-Rating;
• "(uz)AAA" with a stable outlook from SNS Ratings;
• "BB" with a stable outlook from S&P Global Ratings.
In the official rating of insurance organizations published by the insurance market regulator, APEX INSURANCE has held the first position with the highest rating—AAA—since May 2025.
A New Stage of Development
The company's move to a new office—APEX TOWER in Tashkent—has symbolized this new era of development. This is a significant step forward from the company's first office, where the brand's history began in 2018.
The company plays an active role in developing the professional agenda of the insurance market. In May 2025, the FAIR Energy Insurance and Risk Management Forum was held in Tashkent, where APEX INSURANCE served as the organizer and key sponsor. The forum brought together over 100 delegates from 20 countries and became a platform for integrating the national insurance market into the global reinsurance system.
Responsible Business and Contribution to Social Projects
Sustainable financial growth allows APEX INSURANCE to expand its contribution to social development and support significant initiatives in sports, culture, and education. In 2025, the company focused on three key areas:
• Sports: support for national judo, football, and triathlon federations, as well as a partnership with the Samarkand Marathon international race series.
• Culture: The company supported the first Biennale of Contemporary Art "Recipes for Broken Hearts" in Bukhara, organized by the Foundation for the Development of Culture and Arts of Uzbekistan.
• Innovation and Education: Collaboration with the international STSI foundation on projects to improve the quality of education. In 2025, APEX INSURANCE served as the general sponsor of the Science and Innovation Awards and supported the Hayot Maktabi youth initiative.
Responsible Business and Contribution to Social Projects
Sustainable financial growth allowed APEX INSURANCE not only to strengthen its market position but also to expand its involvement in social and community-based projects. In 2025, the company partnered and sponsored a number of significant projects in the following areas:
• Sports: APEX INSURANCE supported the national judo, football, and triathlon federations, and also partnered with the international Samarkand Marathon race series.
• Culture: The company partnered with the first Bukhara Biennale of Contemporary Art, "Recipes for Broken Hearts," organized by the Foundation for the Development of Culture and Arts of Uzbekistan.
• Education: APEX INSURANCE partnered with STSI International Foundation projects aimed at improving the quality of education, supported the Hayot Maktabi educational initiative, and served as the general sponsor of the Science and Innovation Awards.
These results reflect APEX INSURANCE's sustainable development, strengthening its market position, and the company's consistent efforts to earn customer trust, improve its insurance products, and increase customer satisfaction.
Telefon: 1188, (+998) 71−203−08−08.
Web-site: aic.uz
Instagram: @apexinsurance.uz
Telegram: t.me/apexinsurancee
LinkedIN: linkedin.com/company/apexinsurance
• Total insurance premiums reached 4,122 billion soums, an increase of 50% compared to 2,758 billion soums in 2024. The company's market share reached 32%, the highest in the market.
• Insurance Claims. Over the year, the volume of claims increased by 25.2% to 868.5 billion soums. The company settled 98.4% of all incoming claims—19% higher than last year and one of the highest results in the market.
• Net profit reached 299 billion soums. The growth was driven by the expansion of the insurance portfolio, controlled level of insurance payments, and high investment income.
• Equity increased by 46% to 1,136 billion soums (777.6 billion soums in 2024). APEX INSURANCE remains the largest insurance company by authorized capital. As of the end of 2025, it amounted to 900 billion soums, corresponding to 23% of the total authorized capital of all insurance companies in the country.
• Assets increased by 43% to 3,666 billion soums (2,573 billion soums in 2024). Total investments, including funds in bank accounts, amounted to 2,001 billion soums, an increase of 109% compared to the previous year.
• The number of active policies at the end of the year reached 1.5 million, and the total insurance coverage under them amounted to 878 trillion soums.
Current performance continues the trend established in 2023, when the company's insurance premium volume exceeded 1 trillion soums for the first time. Over the following two years, this figure quadrupled, reflecting business expansion and robust demand from the corporate and retail segments.
High Financial Strength Ratings
APEX INSURANCE's financial stability and strong capitalization are confirmed by ratings from leading national and international rating agencies:
• "uzA++" with a stable outlook from Ahbor-Rating;
• "(uz)AAA" with a stable outlook from SNS Ratings;
• "BB" with a stable outlook from S&P Global Ratings.
In the official rating of insurance organizations published by the insurance market regulator, APEX INSURANCE has held the first position with the highest rating—AAA—since May 2025.
A New Stage of Development
The company's move to a new office—APEX TOWER in Tashkent—has symbolized this new era of development. This is a significant step forward from the company's first office, where the brand's history began in 2018.
The company plays an active role in developing the professional agenda of the insurance market. In May 2025, the FAIR Energy Insurance and Risk Management Forum was held in Tashkent, where APEX INSURANCE served as the organizer and key sponsor. The forum brought together over 100 delegates from 20 countries and became a platform for integrating the national insurance market into the global reinsurance system.
Responsible Business and Contribution to Social Projects
Sustainable financial growth allows APEX INSURANCE to expand its contribution to social development and support significant initiatives in sports, culture, and education. In 2025, the company focused on three key areas:
• Sports: support for national judo, football, and triathlon federations, as well as a partnership with the Samarkand Marathon international race series.
• Culture: The company supported the first Biennale of Contemporary Art "Recipes for Broken Hearts" in Bukhara, organized by the Foundation for the Development of Culture and Arts of Uzbekistan.
• Innovation and Education: Collaboration with the international STSI foundation on projects to improve the quality of education. In 2025, APEX INSURANCE served as the general sponsor of the Science and Innovation Awards and supported the Hayot Maktabi youth initiative.
Responsible Business and Contribution to Social Projects
Sustainable financial growth allowed APEX INSURANCE not only to strengthen its market position but also to expand its involvement in social and community-based projects. In 2025, the company partnered and sponsored a number of significant projects in the following areas:
• Sports: APEX INSURANCE supported the national judo, football, and triathlon federations, and also partnered with the international Samarkand Marathon race series.
• Culture: The company partnered with the first Bukhara Biennale of Contemporary Art, "Recipes for Broken Hearts," organized by the Foundation for the Development of Culture and Arts of Uzbekistan.
• Education: APEX INSURANCE partnered with STSI International Foundation projects aimed at improving the quality of education, supported the Hayot Maktabi educational initiative, and served as the general sponsor of the Science and Innovation Awards.
These results reflect APEX INSURANCE's sustainable development, strengthening its market position, and the company's consistent efforts to earn customer trust, improve its insurance products, and increase customer satisfaction.
Telefon: 1188, (+998) 71−203−08−08.
Web-site: aic.uz
Instagram: @apexinsurance.uz
Telegram: t.me/apexinsurancee
LinkedIN: linkedin.com/company/apexinsurance
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