Student Accident Insurance

Garland Independent School District's Purchasing Department issued a Request for Proposal for student accident insurance coverage effective August 1, 2026, through July 31, 2027, with four optional annual renewals. The procurement seeks comprehensive insurance solutions covering approximately 8,801 student athletes across high school and middle school participants in football, basketball, volleyball, track, wrestling, golf, tennis, swimming, gymnastics, cheerleading, and various other school-sponsored activities and programs. The insurance program includes three coverage tiers: basic coverage for student athletic participation at a $25,000 level with no deductible, voluntary coverage at a $250,000 level available for parents to purchase, and excess catastrophic coverage with a $25,000 deductible and $7.5 million maximum. Proposals must be submitted by May 5, 2026, at 10:30 a.m. local time in sealed format not exceeding 14"x10"x5" with one original and one copy. Vendors must submit questions regarding specifications by April 17, 2026, at 12:00 p.m., and all addenda will be posted by April 21, 2026, at 4:00 p.m. Evaluation criteria include purchase price (40 points), vendor reputation and quality (20 points), extent to which services meet district needs (30 points), past vendor relationship with the district (3 points), long-term cost considerations (7 points), and historic underutilized business compliance (0 points). Proposed prices must remain firm for the first contract year, with price increases in subsequent years limited to the Consumer Price Index for the previous year.

The District does not appear to have specified set-aside designations or restrictions based on disadvantaged enterprise status, though historic underutilized business compliance is included as an evaluation factor carrying zero points. Vendors must maintain comprehensive general liability insurance of $250,000 per person and $500,000 per occurrence, automobile liability coverage, and workers' compensation insurance. The District's five-year claims history shows base premiums ranging from $224,000 to $249,414 annually with loss ratios between 18.98% and 50.41%, providing historical context for bidders. The estimated annual contract value is $290,000 based on the District's current requirements, with a potential five-year contract value of approximately $1.45 million including optional renewals. The District reserves the right to make multiple awards to different vendors at its discretion and will process all payments via Automated Clearing House within 30 days of receipt of goods and properly submitted invoices. The contract includes termination provisions allowing the District a 30-day cancellation for convenience and the contractor a 60-day cancellation option.