Insurance procurement

Summary

The procurement concerns a complete insurance solution for Päijät-Hämeen Laitoshuoltopalvelut Oy. The requested portfolio includes statutory occupational accident and occupational disease insurance for the workforce; voluntary accident insurance for 30 employees working remotely; broad property insurance for office equipment and cleaning machinery; public liability insurance for cleaning, property maintenance and related services; product liability insurance; legal expenses insurance; management liability insurance for the chief executive and board; and motor insurance for two vans and one passenger car. The offer must state the premiums by insurance type and in total, taxes and other charges, insured sums, deductibles, key terms and restrictions, territorial scope, discounts, payment options, claims handling, contact and service arrangements, electronic services, and risk-management support. The requested limits and deductibles must be followed, including the specified payroll basis of approximately €16,082,263 for occupational accident insurance, property sums of approximately €48,922 and €513,735, liability limits of €1,000,000, legal expenses cover of €30,000, management liability cover of €1,000,000, and the specified vehicle cover. The supplied claims history must be considered in pricing. Complete offers must be submitted by 28 September 2026 at 16:00. Partial offers are not accepted. The lowest-priced compliant offer will be selected.