UNSPSC 84131520: Insurance broking fees and commission

Insurance brokers act as middlemen between firms that want to insure their property and casualty risks and the insurers that underwrite policies. An insurance broker is someone who advises people on their insurance needs and negotiates insurance contracts on their behalf with insurers in return for a fee or commission.

UNSPSC 84131520 Insurance broking fees and commission is a Commodity code encompassing the brokerage, advisory, and administrative fees that state and local governments pay to place and manage employee health benefits, property and casualty insurance, stop-loss coverage, specialty insurance products, and ancillary employee benefit programs. Across recent solicitations, the code covers fees charged by brokers of record, consultants, and third-party administrators coordinating benefit procurement, plan design, carrier negotiations, claims management, compliance, and ongoing employee communication for municipalities, counties, school districts, and special-purpose entities. The issuing-body mix is broad and recurring: cities (Edinburg, Doral, Canton, Lubbock, Sarasota, Orlando, Tucson, Waxahachie, Richardson, Wheat Ridge, DeBary), counties (Okaloosa, Hall, Volusia, Orange, Gwinnett, Rockland, Greenville, Athens-Clarke, Walton, Pinellas), school districts (Manor ISD, Schertz-Cibolo-Universal City ISD, Northside ISD, Garland ISD, Sarasota County Schools, Dallas State College), state agencies (Texas Education Agency, Missouri Department of Transportation, South Dakota Division of Insurance, Mississippi State Department of Health), transit and university systems (University of North Georgia, University of Texas System, Dalton State College, Buckman Direct Diversion Board), and special districts (Central Health in Travis County, CIS in Oregon, Illinois Tollway System). The geographic spread spans Texas (multiple school districts and municipalities), Florida (Doral, Sarasota, Orange County, Pinellas, Walton, DeBary), Georgia (Athens-Clarke, Hall County, Gwinnett, Dalton State, University of North Georgia), and other states including Arizona, South Carolina, Colorado, Mississippi, Missouri, Oregon, and Illinois.

Representative recent opportunities illustrate the scope: the City of Edinburg, Texas issued RFP 2026018 (due Aug 4, 2026) seeking proposals for group employee medical insurance with pricing submissions including broker fees and administrative services only costs, with historical claims of $9.6 million and enrollment of 1,709 members; Northside Independent School District in San Antonio issued RFP 2026-076 (due May 6, 2026) for medical TPA and pharmacy benefit management services across 18,000 members, with pricing including broker compensation and transparency requirements; and the Missouri Department of Transportation issued an RFP (due June 16, 2026) for insurance broker of record services covering marketing, risk management consulting, loss prevention, and technical risk finance evaluation on a commission basis. School district athletics and student-focused coverages appear frequently: Garland ISD issued RFP 35727 (due May 5, 2026) for student accident insurance across 8,801 athletes with pricing of approximately $290,000 annually, and Dalton State College issued eRFQ 56900ERFQ0017902026 (due June 24, 2026) for secondary athletic insurance covering student athletes and trainers. Health benefit consulting and brokerage are high-volume segments: Schertz-Cibolo-Universal City ISD issued RFP 26-019V (due May 13, 2026) for medical plan brokerage services with a fixed annual fee structure, and the City of Sarasota issued RFP 2623HR (due April 28, 2026) for broker services to manage self-funded medical, pharmacy, and dental plans for 2,426 covered lives. State-level and complex administrative procurements appear regularly: the Texas Education Agency issued RFP 701-26-008 for teacher liability insurance brokerage, and the Mississippi Transportation Commission solicited cafeteria plan administrator services. The code experiences steady activity across traditional municipal insurance (property, liability, workers' compensation), health benefits administration, stop-loss placement, pharmacy benefit management, dental and vision coverage, ancillary benefits (life, disability, voluntary), dependent eligibility verification, claims preparation support, and employee assistance program services, with most opportunities clustering around January, June, and September plan-year renewal cycles or municipal fiscal-year periods.