Liability insurance for the Municipality of Heumen

Summary

The tender is for a liability insurance policy for the Municipality of Heumen, starting on 1 January 2027. The policy must broadly cover third-party claims for property damage, personal injury and financial loss. The minimum limits are EUR 5,000,000 per claim and EUR 10,000,000 per insurance year for property damage and personal injury, and EUR 2,500,000 per claim and EUR 5,000,000 per insurance year for financial loss. The deductible is EUR 2,500 per claim. The tender documents also specify additional cover and claims-handling requirements, including digital claim notification, secure online access to case files and an annual management report. The initial contract term is 24 months, ending on 1 January 2029, with successive tacit 12-month renewal options, up to eight times. Bids are evaluated on lowest price. Bidders must quote an annual premium per resident and a per-file rate for handling claims below the deductible; handling personal-injury claims within the deductible must be free of charge. Bids must be submitted in Dutch electronically through TenderNed by 12:00 on 10 November 2026. Bidders must demonstrate the required financial capacity, relevant insurance experience, professional authorisations and a suitably qualified claims-handling team.