Northern Ireland Housing Executive Insurance Provision Tender
Summary
The Northern Ireland Housing Executive has published a tender notice for the provision of insurance cover across five lots: Material Damage, Employers' Liability, Public Liability, Motor Fleet, and Homeowners Property Owners. The notice details contract information and lists potential suppliers.
What changed
This notice announces a tender opportunity for the Northern Ireland Housing Executive seeking comprehensive insurance coverage. The procurement covers five distinct lots: Material Damage, Employers' Liability, Public Liability, Motor Fleet, and Homeowners Property Owners. Full specifications are available in the attached tender documents, and the notice explicitly states that insurance broking services are not included in this requirement.
This is a procurement notice, not a regulatory rule. Interested insurance providers should review the tender documents for detailed requirements and submission procedures. The notice lists two potential suppliers, Intact Insurance and ZURICH INSURANCE COMPANY LTD, and provides a publication date of March 19, 2026. Compliance officers in the insurance sector should note this as a potential business opportunity or a standard government procurement process.
What to do next
- Review tender documents for insurance provision requirements
- Monitor procurement process for updates
Source document (simplified)
Contract
Provision of Insurance
- Northern Ireland Housing Executive UK7: Contract details notice - Procurement Act 2023 - view information about notice types
Notice identifier: 2026/S 000-025515
Procurement identifier (OCID): ocds-h6vhtk-05e068 (view related notices)
Published 19 March 2026, 11:56pm
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Contents
Scope Lots (5)
- Lot 1. Material Damage
- Lot 2. Employers' Liability
- Lot 3. Public Liability
- Lot 4. Motor Fleet
- Lot 5. Homeowners Property Owners
Contracts (5)
- Contract 1. Material Damage
- Contract 2. Employers' Liability
- Contract 3. Public Liability
- Contract 4. Motor Fleet
- Contract 5. Homeowners Property Owners
Submission Other information Procedure Suppliers (2)
- Intact Insurance
- ZURICH INSURANCE COMPANY LTD
Contracting authority
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Reference
P0809
Description
The Housing Executive requires a provision of protective insurance cover for a number of areas. Full details can be found within the attached tender documents. Please note the requirement does not include insurance broking services.
Lot 1. Material Damage
Description
Material Damage insurance cover as described in the Specification
Lot 2. Employers' Liability
Description
Employers' Liability insurance cover as described in the Specification
Lot 3. Public Liability
Description
Public Liability insurance cover as described in the Specification
Lot 4. Motor Fleet
Description
Motor Fleet insurance cover as described in the Specification
Lot 5. Homeowners Property Owners
Description
Homeowners Property Owners insurance cover as described in the Specification.
Contract 1. Material Damage
Lots
Lot 1. Material Damage
Supplier
Contract value
- £726,220 excluding VAT
- £871,464 including VAT Above the relevant threshold
Date signed
19 March 2026
Contract dates
- 1 April 2026 to 31 March 2027
- Possible extension to 31 March 2028
- 2 years Description of possible extension:
The Client has the option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
Main procurement category
Services
Options
The right to additional purchases while the contract is valid.
2 year Long Term Agreement option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date. If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
CPV classifications
Insurance services
Justification for not setting key performance indicators
Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Contract 2. Employers' Liability
Lots
Lot 2. Employers' Liability
Supplier
Contract value
- £367,147 excluding VAT
- £440,576 including VAT Above the relevant threshold
Date signed
19 March 2026
Contract dates
- 1 April 2026 to 31 March 2027
- 1 year
Main procurement category
Services
CPV classifications
Insurance services
Justification for not setting key performance indicators
Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Contract 3. Public Liability
Lots
Lot 3. Public Liability
Supplier
Contract value
- £2,235,090 excluding VAT
- £2,682,109 including VAT Above the relevant threshold
Date signed
19 March 2026
Contract dates
- 1 April 2026 to 31 March 2027
- Possible extension to 31 March 2029
- 3 years Description of possible extension:
The Client has the option to extend the Contract for up to two 12 Month periods from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). If the Gross Loss Ratio in the period of insurance covering 01/04/2027-30/09/2028 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2027, the extension will be solely at the discretion of the Client and the annual rate specified for Year 3 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
Main procurement category
Services
Options
The right to additional purchases while the contract is valid.
3 year Long Term Agreement option to extend the Contract for up to two 12 Month periods from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions). If the Gross Loss Ratio in the period of insurance covering 01/04/2027-30/09/2028 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2027, the extension will be solely at the discretion of the Client and the annual rate specified for Year 3 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
CPV classifications
Insurance services
Justification for not setting key performance indicators
Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Contract 4. Motor Fleet
Lots
Lot 4. Motor Fleet
Supplier
Contract value
- £284,591 excluding VAT
- £341,509 including VAT Above the relevant threshold
Date signed
19 March 2026
Contract dates
- 1 April 2026 to 31 March 2027
- 1 year
Main procurement category
Services
CPV classifications
Insurance services
Justification for not setting key performance indicators
Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Contract 5. Homeowners Property Owners
Lots
Lot 5. Homeowners Property Owners
Supplier
Contract value
- £2,340,240 excluding VAT
- £2,808,288 including VAT Above the relevant threshold
Date signed
19 March 2026
Contract dates
- 1 April 2026 to 31 March 2027
- Possible extension to 31 March 2028
- 2 years Description of possible extension:
The Client has the option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date (the "Extension Period"). If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
Main procurement category
Services
Options
The right to additional purchases while the contract is valid.
2 year Long Term Agreement option to extend the Contract for 12 Months from the Initial Contract Period Expiry Date. If the Gross Loss Ratio in the period of insurance covering 01/04/2026-30/09/2027 does not exceed the Target Loss Ratio of 50% at the cut-off date on 30 September 2026, the extension will be solely at the discretion of the Client and the annual rate specified for Year 2 of the Long Term Agreement will be applied for the second year of the Contract Period (subject to the Adjustment Provisions).
CPV classifications
Insurance services
Justification for not setting key performance indicators
Given the off the shelf nature of the insurance product, the limited ability to influence performance through KPIs, and the strong existing regulatory safeguards, the Authority considers that the supplier’s performance cannot be appropriately assessed by reference to KPIs. Accordingly, the contract qualifies for the permitted exclusion, and KPIs will not be applied.
Submission
Submission type
Requests to participate
Other information
Applicable trade agreements
- Government Procurement Agreement (GPA)
Conflicts assessment prepared/revised
Yes
Procedure
Procedure type
Competitive flexible procedure
Suppliers
Intact Insurance
- Public Procurement Organisation Number: PYJT-7616-DHGY Artola House 91 - 97 Victoria Street
Belfast
BT1 4PB
United Kingdom
Email: tim.graham@intactinsurance.ie
Region: UKN06 - Belfast
Small or medium-sized enterprise (SME): No
Voluntary, community or social enterprise (VCSE): No
Supported employment provider: No
Public service mutual: No
Contract 1. Material Damage
Contract 3. Public Liability
Contract 5. Homeowners Property Owners
ZURICH INSURANCE COMPANY LTD
- Public Procurement Organisation Number: PQWR-3824-ZVZH The Zurich Centre, 3000 Parkway ,Whiteley
Fareham
PO15 7JZ
United Kingdom
Email: zmsalesops@uk.zurich.com
Region: UKJ36 - Central Hampshire
Small or medium-sized enterprise (SME): No
Voluntary, community or social enterprise (VCSE): No
Supported employment provider: No
Public service mutual: No
Contract 2. Employers' Liability
Contract 4. Motor Fleet
Contracting authority
Northern Ireland Housing Executive
- Public Procurement Organisation Number: PTYV-8666-PQQY 2 Adelaide Street
Belfast
BT2 8PB
United Kingdom
Email: procurement@nihe.gov.uk
Region: UKN06 - Belfast
Organisation type: Public authority - central government
Devolved regulations that apply: Northern Ireland
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