UNSPSC 84131502: Homeowners or renters insurance

UNSPSC 84131502 Homeowners or renters insurance, a Commodity code, encompasses what state and local governments actually procure as property and casualty insurance brokerage and consulting services for municipal, county, school district, and public entity risk pool operations. Recent state and local solicitations under this code primarily reflect demand for full-service insurance brokers of record, claims administration and subrogation recovery services, and strategic risk management consulting rather than individual homeowner or renter policies. Issuing bodies include city governments (Lawrenceville, Georgia; McKinney, Texas; Lubbock, Texas), county boards of commissioners (Burke County, Georgia; Collier County, Florida; Hillsborough County, Florida; Galveston County, Texas), school districts (Union County Board of Education, Georgia; Polk County Public Schools, Florida), state agencies (California Department of Toxic Substances Control; University System of Georgia Board of Regents), and public entity risk pools (Cooperative Insurance Services, Oregon). Cities and counties seeking ongoing broker and consulting services appear as repeat buyers across the recent opportunity set, with services spanning loss prevention, policy placement, claims management, market engagement, and risk transfer analysis across municipal packages, property, general liability, workers' compensation, cyber, and specialized coverages.

Activity is geographically distributed across Florida, Georgia, Texas, and Oregon, with additional solicitations from California and the University System of Georgia statewide. Representative recent opportunities include the City of Lawrenceville, Georgia's RFP for Property and Casualty Insurance Brokerage Services (RP004-27, due December 3, 2026), which calls for five years' experience, Georgia licensure, and comprehensive advisory services with a one-year term and four renewal options; Hillsborough County Board of County Commissioners' RFP for Insurance Consulting and Brokerage Services (RFP2600292, due July 24, 2026) with an estimated value of $1,000,000 over five years, covering a $2.6 billion total-insured-value portfolio and offering up to five SBE bonus points; Polk County Public Schools' ITN for third-party claim administration (039-DW-0826, award recommended August 25, 2026) with Cannon Cochran Management Services as the recommended vendor, managing auto liability, property, general liability, professional liability, and workers' compensation claims across a three-year term plus two optional renewals; and the City of McKinney, Texas's back-to-back RFPs for subrogation recovery services (2669RFP and 2706RFP, due July 30 and October 29, 2026) focused on maximizing recovery on property and vehicle damage claims.