Generali Osiguranje Montenegro AD

Generali Osiguranje Montenegro AD, a foreign-owned for-profit insurance company based in Podgorica, Montenegro, operates as a prime contractor delivering localized health insurance and medical coverage for U.S. government personnel and locally employed staff at the U.S. Embassy in Podgorica under full-and-open delivery orders issued by the Department of State. The vendor competes without set-aside designation across its entire footprint, reflecting the specialized nature of its services in the Montenegrin insurance market where it functions as the sole local provider supporting U.S. diplomatic operations.

Generali's federal customer base is heavily concentrated with the Department of State. The Bureau of European and Eurasian Affairs accounts for 51 awards totaling $2.4 million in combined potential value (100% coverage of award count); two additional awards from the Department of State US Embassy Podgorica carry $1.9 million combined potential value. A single sub-award from the US Agency for International Development Serbia, issued via Deloitte Consulting LLP on May 7, 2024, rounds out the customer set. All prime work falls under health insurance and medical insurance services (NAICS 524114 and 524210), with PSC coding split between Special Studies/Analysis–Medical/Health and Social–Government Health Insurance Programs.

Generali holds seat on three parent indefinite delivery contracts. The primary vehicle is Indefinite Delivery Contract 19MJ1921D0001, which carries 22 task orders worth $1.3 million combined potential value; Indefinite Delivery Contract SMJ19016D0001 anchors 24 task orders totaling $697 thousand; and Indefinite Delivery Contract SMJ19015D0001 supports four task orders worth $106 thousand. The source identifies a $1.1 million IDC ceiling awarded August 29, 2021 with performance through August 2025, though that ceiling may not reflect current renewal status. Recent delivery orders are fixed-price with economic price adjustment, typically covering three-month periods and ranging from approximately $34 thousand to $78 thousand per task order. Representative awards include Task Order 5 Option Year IV issued August 21, 2026 ($66 thousand, completion December 31, 2026), Task Order 4 Option Year 4 issued June 22, 2026 ($64.7 thousand, completion December 31, 2026), and Task Order 3 Option Year 3 issued January 29, 2026 ($78.9 thousand, completion December 31, 2026).

Activity has remained relatively flat across recent years—four awards in 2022, five in 2023, five in 2024, four in 2025, and three through August 2026—with total combined potential value of $4.2 million and combined obligated dollars of $2.4 million (56% obligation rate). Four awards with ultimate completion dates in the next twenty-four months carry combined potential value of $276 thousand, exposing the vendor to recompete risk on that volume. Generali operates as prime on 98% of its awards with negligible sub-award exposure, reflecting its position as the sole specialized local insurance provider to the U.S. diplomatic mission in Montenegro.