UNSPSC 84131500: Insurance services for structures and property and possessions

UNSPSC 84131500 Insurance services for structures and property and possessions is a Class code that covers property and casualty insurance brokerage, claims management, and risk consulting services across municipal, educational, utility, and special-purpose public entities. State and local governments procure broker-of-record arrangements to place and manage coverage for buildings, fleet vehicles, equipment, workers' compensation, cyber liability, and specialized lines such as law enforcement liability and terrorism insurance, typically bundling placement services, claims advocacy, loss control, and strategic risk analysis into fixed-fee or commission-based contracts. The mix of issuing bodies is diverse: county governments (Hillsborough County, Burke County, Clarke County, Union County in Georgia), municipalities (Daytona Beach, Lubbock, McKinney, Everett), school districts (Amity Regional, Union County, Cherokee County, Redmond, Clarke County, Manor ISD), transit and utility authorities (Illinois State Toll Highway Authority, Cooperative Insurance Services in Oregon), state agencies (Rhode Island Department of Administration Office of Risk Management, California Department of Toxic Substances Control, Utah Department of Insurance), and quasi-public entities (Citizens Property Insurance Corporation, University System of Georgia Board of Regents). School districts and county governments appear frequently as repeat buyers in recent postings.

Recent activity spans multiple states with concentration in Florida, Georgia, Texas, California, and Oregon. Representative solicitations include Hillsborough County Board of County Commissioners seeking ongoing insurance consulting and brokerage services with an estimated value of $1 million over five years (RFP2600292, due July 24, 2026), the City of Lubbock requesting comprehensive broker services for 14 insurance lines across municipal operations (RFP 26-19575-KM, due April 30, 2026), Clarke County School District conducting a multi-broker property and liability renewal effective July 1, 2026 via competitive assignment of insurance markets (RFP #26-0504, due February 27 for market requests and May 4, 2026 for proposals), and the California Department of Toxic Substances Control soliciting PRP search and title research services supporting its property damage liability determination work (RFP# 2627-07, due August 13, 2026, estimated $950,000 over two years). Compensation structures vary between flat annual fees, commission-based pricing with capped rates, and fixed unit rates for discrete deliverables. Set-asides and preferences appear in select procurements—California's DTSC RFP includes 5% small business preference and waived DVBE participation, Hillsborough County offers SBE bonus points, and Rhode Island's broker RFP includes ISBE evaluation points—but most solicitations contain no designated set-asides.