UNSPSC 64121509: Inland marine insurance policy

A type of risk management contract that covers property as follows: property in transit; property held by a bailee; property at a fixed location that is an instrument of transportation. Coverage is designed specifically for movable goods that are often at different locations.

UNSPSC 64121509, Inland marine insurance policy, is a Commodity code that does not map clearly to the recent state and local opportunities posted under it. The code's nominal scope—coverage for goods in transit and other marine exposures—bears little relation to the actual solicitations in the dataset, which overwhelmingly concern employee benefits administration, health insurance brokerage, claims management, and risk consulting rather than marine cargo or watercraft liability insurance. State and local buyers posting under this code are instead purchasing insurance brokerage services, third-party administration, stop loss coverage, pharmacy benefit management, benefits consulting, workers' compensation administration, group life and disability insurance, dental and vision plans, and related employee benefit services.

Geographic activity spans multiple states with no single dominant region; recent opportunities include Florida (City of DeBary, Escambia County, City of Sarasota, City of Green Cove Springs, Brevard County, Nassau County, Galveston County, Polk County Public Schools), Texas (City of Pflugerville, Austin Independent School District, Brazos River Authority, Schertz-Cibolo-Universal City ISD, City of Edinburg, Travis County Healthcare District, Fort Bend ISD, Northside ISD), Georgia (City of Lawrenceville, Catoosa County), and other states including Arizona, California, Colorado, Illinois, Michigan, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, and South Carolina. Representative recent opportunities include the City of Lawrenceville, Georgia requesting competitive sealed proposals for property and casualty insurance brokerage services with a due date of December 3, 2026 (RFP RP004-27); Escambia County, Florida soliciting general lines insurance agent services for approximately 2,100 employees with a due date of October 30, 2026 (RFP PD2526115); the City of Tucson requesting specific stop loss insurance coverage for 4,508 employees with proposals due May 19, 2026; and Polk County Public Schools in Florida requesting third-party claim administration services with award recommended to the School Board on August 25, 2026. The code shows substantial activity but the mismatch between the nominal UNSPSC category and actual buying patterns suggests classification error in the source data rather than genuine inland marine insurance demand at the state and local level.