UNSPSC 64121510: Personal automobile insurance policy

A type of risk management contract that provides individual vehicle owners protection to mitigate costs associated with auto accidents, theft or other damage.

UNSPSC 64121510 Personal automobile insurance policy is a Commodity code that encompasses insurance brokerage, risk management advisory, and policy administration services for public-sector and nonprofit organizations rather than direct personal automobile coverage—a significant gap between the code's nominal scope and what state and local procurement offices actually buy under it. Recent solicitations show school districts, universities, transit authorities, and workforce development organizations procuring comprehensive insurance brokerage and broker-consulting services covering property, liability, automobile, workers' compensation, and employee benefits rather than personal automobile policies themselves. The issuing bodies are predominantly school districts and boards of education (Union County Board of Education, Clarke County School District, Saint Louis Public Schools District, Manor Independent School District), supplemented by state university systems (University System of Georgia), regional transit authorities (Trinity Metro), and other public nonprofits (Workforce Solutions Borderplex). Work ranges from full-service insurance brokerage with market placement and claims management to specialized subrogation recovery services and independent consulting advice on carrier selection and program structure, with most RFPs emphasizing risk assessment, coverage gap analysis, ongoing administration, and value-added services including loss reporting and safety training.

Recent activity concentrates heavily in Georgia and Texas, with the University System of Georgia soliciting General Liability and Property Broker Services for a $3.5 billion-plus PPV portfolio (RFP posted May 14, 2026, due June 5, 2026), Union County Board of Education seeking sealed bids for multi-line coverage including 70 vehicles with statutory workers' compensation (bid due June 11, 2026), Clarke County School District issuing a five-year property and liability insurance RFP with a two-stage market assignment process (proposals due May 4, 2026), and Manor Independent School District (Travis County) requesting independent primary insurance consulting services excluding brokerage commissions (proposals due February 23, 2026). Outside the Georgia–Texas corridor, Saint Louis Public Schools District is procuring district-wide employee benefit services including medical, dental, vision, and disability coverage (RFP due April 22, 2026), and Workforce Solutions Borderplex in El Paso County, Texas is seeking insurance brokerage and risk management services for a six-county nonprofit workforce development organization (SOQ due April 29, 2026). Trinity Metro in Fort Worth issued an RFP for specialized subrogation recovery services focused on third-party liability claims (proposals due April 9, 2026). The code shows sustained activity across multiple issuing-body types and geographic spread, with most opportunities weighted toward broker-consulting advisory roles and administrative services rather than direct policy sales.