UNSPSC 84131607: Liability insurance

UNSPSC 84131607 Liability insurance is a Commodity code encompassing specialized insurance coverage and broker services that state and local governments procure to manage operational risk across diverse public functions. Recent solicitations show governments buying aviation insurance for unmanned aerial systems and manned helicopter fleets, property and casualty coverage bundled with brokerage services, workers' compensation third-party administration, student accident and teacher liability coverage, and claims administration for general liability and workers' compensation programs. This code captures both the insurance policies themselves and the professional broker and third-party administration services required to place, manage, and adjudicate claims.

Recent activity spans state departments, county governments, school districts, and special-purpose agencies across multiple regions. Louisville/Jefferson County Metro Government's OMB Risk Management Division posted two consecutive RFPs in October 2026 for separate but coordinated aviation insurance programs—one for UAS operations across emergency response, fire, law enforcement, and infrastructure inspection (RFP270078, due October 30, 2026) and one for three helicopters supporting the Metro Police Department Air Patrol Unit (RFP270077, due October 30, 2026). Montgomery County, Pennsylvania solicited commercial insurance broker and risk management services including OCIP support and capital construction project coverage (RFP2658, due October 27, 2026), and third-party claims administration for general liability insurance (RFP2659, due October 20, 2026). The Town of Orange Park, Florida requested sealed proposals for property, casualty, automobile, workers' compensation, and accidental death and dismemberment coverage effective October 1, 2026 (RFP16797, due September 9, 2026), with a total insured property value of $36,203,546 and a fleet of 114 vehicles. Polk County Public Schools in Florida advanced third-party claim administration for auto liability, property, general liability, professional liability, and workers' compensation to award recommendation stage in August 2026, with Cannon Cochran Management Services as the recommended vendor for a three-year term (September 1, 2026–August 31, 2029) managing claims for over 117,000 students. The New Jersey Housing and Mortgage Finance Agency sought broker and commercial insurance coverage services including property, casualty, workers' compensation, fidelity bonds, cyber, health, dental, and long-term disability (RFP2026088, due June 17, 2026), and Garland Independent School District in Texas requested student accident insurance for approximately 8,801 student athletes (RFP35727, due May 5, 2026, with an estimated annual value of $290,000 and five-year potential of approximately $1.45 million). Other recent solicitations include the Board of Regents of the University System of Georgia seeking PPV Insurance brokerage services for a real estate portfolio exceeding $3.5 billion in value (RFP47200ERFP0000017462026, due June 5, 2026), Hall County, Georgia requesting Medicare Advantage plan administration with prescription drug coverage for approximately 183 retirees (RFQ/P #47-009, due June 4, 2026), the Texas Education Agency procuring teacher liability insurance for eligible classroom teachers statewide (RFP701-26-008, due February 25, 2026), and Los Angeles County Public Works requesting insurance recovery services for January 2025 fire events (RFP BRC0000658, due June 3, 2026). Geographic concentration spans Florida, Georgia, Pennsylvania, Texas, and California, with activity also in Arizona, New Jersey, and Illinois-based vendor recommendations.