Public and subsidised entities · Insurance procurement
Public procurement for insurance, compliant and controlled
Trusted by
Independent technical coordinator
Where law, insurance expertise and practice meet
We support municipalities, hospitals, residential and nursing homes, and public-law foundations in designing and managing public procurement procedures for insurance and occupational pension solutions – in accordance with Swiss public procurement law (PPA/IAPP), helping you align your insurance coverage with your actual risks and make efficient use of public funds.
For your institution, managing insurance risks goes beyond technical considerations alone: it entails accountability towards the public and requires rigorous compliance with public procurement rules.
- Municipalities
- Hospitals
- Nursing homes
- Public utilities
- Public-law foundations
Why work with a specialist insurance broker
Three conditions, one partner
An independent, family-owned Swiss insurance brokerage, founded in 1979 and registered with FINMA (No. F01460823). Independent of any insurance company, we combine regulatory expertise, insurance technical know-how and a practical understanding of the risks faced by public entities: three essential elements for an effective dialogue between your administration and the insurance market.
- Regulatory expertiseProcedures, transparency requirements and documentation in line with the PPA/IAPP.
- Insurance technical know-howDetailed assessment of policy wording, exclusions, limits of indemnity and appropriate deductible levels.
- Understanding of public entities' risksSpecific exposures relating to property, liability, vehicle fleets, human resources and public-service activities.
Key considerations and risks
What is at stake in every procedure
Regulatory compliance, technical precision and the real needs of your services: even minor inaccuracies in defining requirements or evaluating tenders can expose your institution to legal and operational risks.
Key considerations
Every decision involves the legal framework, the quality of cover and the needs of your activities.
- Legal framework and public procurementStrict compliance with procedures, transparency requirements and the required documentation under the PPA/IAPP.
- Insurance expertiseDetailed assessment of policy wording, exclusions, limits of indemnity and appropriate deductible levels.
- Diverse operational requirementsSpecific exposures relating to property, liability, vehicle fleets, human resources and public-service activities.
Risks to avoid
Preventing them safeguards the transparency of your procedures, your financial resilience and the continuity of your services.
- A procurement procedure exposed to the risk of non-compliance with the PPA/IAPP.
- Tender specifications that are insufficiently precise or overly standardised.
- Tenders that are difficult to compare because key elements are contained in special terms and conditions.
- Insurance coverage that does not reflect your actual risks, or costs that have not been adequately optimised.
- Incomplete documentation in the event of a review by supervisory bodies or an appeal.
References
In their words
- Availability
- Professionalism
- Precision
Assidu's greatest added value lies in the professionalism and expertise of its team. Their ability to understand our needs and provide practical support helps us optimise our processes, making the partnership particularly valuable.
Francesco Fornaciarini Head of Human ResourcesFrancesco Fornaciarini
Head of Human Resources
Assidu's greatest added value lies in the professionalism and expertise of its team. Their ability to understand our needs and provide practical support helps us optimise our processes, making the partnership particularly valuable.
Working with Assidu enables us to choose the insurance solutions best suited to our needs, with the support of an attentive partner who understands our specific requirements.
Assidu's support has been instrumental in guiding our strategic decisions regarding occupational pension schemes and public procurement procedures.
Availability, professionalism and precision.
- Professionalism
- Attentiveness
- Care
We particularly value Assidu's support in managing our insurance policies, handling long-term illness cases and organising information events on pensions and retirement. A partnership built on professionalism, attentive listening and genuine care.
Sandrine Sprunger Head of Human Resources / Deputy DirectorSandrine Sprunger
Head of Human Resources / Deputy Director
We particularly value the professionalism, attentiveness and genuine care shown by Assidu's team, as well as their availability and support. These qualities are invaluable to our partnership, which we look forward to continuing.
For many years, Assidu has supported us in managing and monitoring our insurance contracts, handling cases involving long-term illness and organising information events on pensions and retirement.
Professionalism, attentiveness and care.
- Competent
- Reliable
- Collaborative
Assidu's family-oriented character, the expertise of its team and its strong local roots gave us the confidence to choose the company as our partner.
Luigi Roncoroni Head of AdministrationLuigi Roncoroni
Head of Administration
We value the experience of Assidu's professionals and the opportunity to communicate directly and personally with its various in-house specialists.
During the presentation of Assidu and its services, we appreciated the company's family-oriented character, the expertise of its team and its strong local roots. Together with the testimonials of those who already knew Assidu, these qualities gave us the confidence to choose Assidu as our partner.
Assidu has made a difference not in one specific instance, but across the various situations and challenges we have faced throughout our collaboration.
Competent, reliable and collaborative.
- Competent
- Available
- Reliable
When we had to conduct a public procurement procedure for sickness and accident insurance, Assidu was a key partner.
Matteo Talleri Administrative DirectorMatteo Talleri
Administrative Director
Reliability, expertise and availability.
The expertise of Assidu's professionals.
When we had to conduct a public procurement procedure for sickness and accident insurance, Assidu was a key partner.
Competent, available and reliable.
- Professional
- Competent
- Available
Assidu's greatest added value lies in the professionalism and expertise of its team. Their ability to understand our needs and provide practical support helps us optimise our processes, making the partnership particularly valuable.
Consuelo Rovelli Head of Human ResourcesConsuelo Rovelli
Head of Human Resources
Assidu's greatest added value undoubtedly lies in the professionalism and expertise of its team, which delivers tailored and reliable solutions. Their ability to understand our needs and provide practical support helps us optimise our processes, making the partnership particularly valuable.
What convinced us to choose Assidu as our partner was its ability to quickly understand our specific needs, together with the professionalism and transparency demonstrated from our very first interactions. The combination of expertise, responsiveness and a proactive approach gave us immediate confidence that we could rely on Assidu as a trusted partner.
One example among many: Assidu made a real difference in managing the public tender procedures for the renewal of some of our insurance policies, supporting us at every stage, from responding to questions raised by bidding insurers to drafting the formal notifications of the tender outcomes.
Professional, competent and available.
- Expertise
- Precision
- Responsiveness
In complex situations, Assidu helps us identify risks, avoid mistakes and determine the steps to take, guiding us towards a solution.
Geneviève Constantin DirectorGeneviève Constantin
Director
We particularly value Assidu's clear, precise advice tailored to our needs, as well as its responsiveness, broad expertise and in-depth understanding of our field of activity. This expertise provides valuable support in the day-to-day management of Fondation Pérène.
In complex situations, Assidu helps us identify risks, avoid mistakes and determine the steps needed to find a solution, guiding us through the process in both social insurance and contractual insurance matters.
Expertise, precision and responsiveness.
- Expertise
- Empathy
- Responsiveness
Assidu is an important point of reference for us. Thanks to its in-depth understanding of our organisation, the team provides excellent advice on our insurance coverage. We also know we are in good hands when it comes to public procurement procedures.
Marilena Pulieri DirectorMarilena Pulieri
Director
Assidu is an important point of reference for us. Thanks to its in-depth understanding of our organisation, the team provides excellent advice on our insurance coverage. We also know we are in good hands when it comes to public procurement procedures.
We chose Assidu for its strong social awareness and the genuine friendship and personal support its team has shown us, along with its understanding of the particular nature of our sector.
We can count on Assidu's valuable support whenever we need to renew our insurance contracts.
Expertise, empathy and responsiveness.
The questions we hear most
Every entity is different, the fundamental questions are the same
Are our tender procedures adequately protected against the risk of non-compliance with the applicable legal framework?
Our answerA structured procedure, documented at every stage from publication to award.
Is our insurance coverage genuinely aligned with our organisation's risk profile, without underinsurance or unnecessary costs?
Our answerA portfolio analysis and tender specifications tailored to your actual risks.
If our decision is reviewed or challenged, can we demonstrate that it was made competently, transparently and in accordance with the applicable rules?
Our answerA comparative report and documentation ready for authorities and supervisory bodies.
End-to-end support
From analysis to day-to-day management
Our involvement covers the entire lifecycle of your public procurement procedures for insurance services, from the preliminary phase through to policy inception, as well as the ongoing management of your insurance programme.
Analysis of your insurance portfolio and risk mapping
An in-depth assessment of your existing insurance portfolio and risk exposure establishes a structured overview of your entity's current situation and highlights potential inconsistencies, coverage gaps and overlaps.
Result: a structured analysis of your existing insurance coverage, reviewed against the applicable legal provisions – the technical basis for the procurement procedure.
- Collection and analysis of policy data and claims statistics from previous years.
- Discussions with your internal stakeholders: finance, Human Resources, technical services and other relevant departments.
- Review of the insurance coverage included in the procedure: coverage gaps, overlaps, and sums insured or deductibles that may no longer be appropriate.
Insurance programme design and technical tender documentation
We define a clear insurance programme and technical tender specifications that translate your entity's requirements into concrete requirements for the insurance market.
Aim: a clear and comparable technical basis for all potential bidders, minimising grey areas.
- Definition of the required coverage and conditions for each line of insurance: property, liability, personal insurance, mandatory and supplementary accident insurance, collective daily sickness allowance insurance, vehicle fleets and other relevant lines.
- Structured application of the applicable guidelines and evaluation criteria for the public procurement procedure.
- Precise description of your entity's activities and specific risks: hospitals, critical infrastructure, events, social services and other relevant exposures.
From publication of the tender to policy inception
We support you throughout the administrative procurement process, from publication of the invitation to tender through to policy inception, providing technical expertise and helping ensure that the procedure remains compliant.
Result: a comparative evaluation report and a properly documented award.
- Support with publication of the invitation to tender on official public procurement platforms, including simap.ch.
- Support in managing requests for clarification submitted by insurance companies.
- Support during the formal opening of tenders.
- Verification of the technical compliance of the tenders received against the tender specifications and preparation of the comparative evaluation report.
- Technical support during the final award stage and formalisation of the insurance policy.
Operational management and ongoing support
Following the award, we remain by your side to manage your insurance coverage on a day-to-day basis and maintain its consistency over time.
One point of contact, from procedure to claims.
- Active administration of insurance policies with the relevant insurers, including amendments and updates where required.
- Ongoing review of insurance coverage as your entity's risk profile evolves.
- Comprehensive claims support, from notification through to settlement.
- Support in dealings with insurers and in the management of administrative procedures.
- Ongoing advice and optimisation of your insurance programme.
Our role: to provide your entity with a robust and properly documented basis for decision-making, enabling you to make informed decisions with confidence.
A specialist team
A dedicated team of specialists for every line of insurance
An insurance tender covers very different lines of business. For each one, you are advised by specialists holding a Swiss Federal Diploma of Higher Education, supported by a dedicated public procurement team.
Property, liability and engineering risks
Protecting your assets and property, with a consistent programme from material risks to liability exposures.
- Buildings and installations
- Liability
- Engineering risks
- Vehicle fleets
Employee insurance and social insurance
Supplementary employee insurance coverage integrated into the overall risk management of your entity.
- Occupational pensions (LPP/BVG)
- Mandatory accident insurance (UVG/LAA)
- Supplementary accident insurance
- Daily sickness allowance insurance
Public procurement
Support for the contracting authority throughout the procedure and with the documentation required by authorities and supervisory bodies.
- PPA/IAPP procedures
- Specifications and criteria
- Comparative evaluation report
- Documentation for supervisory bodies
Initial consultation
Planning a procedure?
Are you planning a public procurement procedure for insurance services, or would you like to assess whether your current insurance programme remains appropriate? The first step is a no-obligation initial consultation, specifically for public and subsidised entities.
- A review of your current situationCurrent policies, renewal dates and your entity's context.
- Main areas requiring attentionIncluding any potential contractual inconsistencies.
- A procurement approachWhere appropriate, a structured procurement approach designed to comply with the applicable public procurement framework.