Provision of General Insurance Cover - Kagumo Teachers' Training College (KAG.T.T.C/O.T/013/2026-2028)

What is being bought

Kagumo Teachers' Training College (Nyeri) invites sealed tenders for the provision of general insurance cover, as a framework tender for financial years 2026-2027 and 2027-2028. The cover includes student personal accident, WIBA and employers' liability, fire, all-risk and burglary insurance, based on the insured values listed in the Stage 2 technical criteria.

Key facts

Closing

Mon 9 Nov 2026, 11:00 am
Tenders must be received on or before 9 November 2026 at 11:00 AM (current deadline; portal shows the same time). Unverified D1 p.1

Bid / tender security

Tender security of Kshs. 50,000.00 in the form of a bank guarantee from a bank licensed and operating in Kenya, valid for 150 days. Tender security validity differs from the 120-day tender validity (see conflicts). Conflicting D2 p.27

Tender fee

Tender documents downloaded electronically are free. No fee for a hard copy is stated. D2 p.3

Site visit

Not stated in the documents we reviewed Not stated D2 p.9

Pre-bid meeting

Not stated in the documents we reviewed Not stated D2

Reserved for

Not stated in the documents we reviewed Not stated P

Contract value

Not stated in the documents we reviewed Not stated D2

Tender opening

Tenders are opened immediately after the closing deadline in the presence of tenderers' representatives who choose to attend, at the College Conference Room. Late tenders are returned unopened. D2 p.24

Tender validity

Tenders remain valid for 120 days from the date of opening of tenders (ITT 19.1 says from the submission deadline; see conflicts). Conflicting D2 p.3

Who can apply

• Open national competitive tender for all qualified and interested tenderers. D2 p.3
• Only insurance service providers registered by the Insurance Regulatory Authority (IRA) are eligible to tender and sign contracts. Registration is also required before contract award and signature (see conflicts). Conflicting D2 p.7
• A Kenyan tenderer must provide evidence of tax compliance (tax compliance certificate or tax exemption certificate from KRA). Standard rule D2 p.8
• Tenderers may be a private entity, a state-owned enterprise, or a joint venture (JV). Members of a JV may not also tender individually for the same tender. The maximum number of JV members is in the TDS, which was not provided. Standard rule D2 p.7

Application checklist

Tick items off as you prepare. Your ticks stay on this device only.

Required from every bidder

• Certificate of Incorporation of the tenderer. D2 p.26
• Current, valid certificate of membership from the Association of Kenya Insurers (AKI) for 2026, or current membership certificate from the Association of Insurance Brokers of Kenya (AIBK) for 2026, certified by AIBK. D2 p.26
• Copy of the perpetual licence of registration with the IRA for general insurance, authorised to underwrite Personal Accident Cover, WIBA cover and general covers (burglary, fire, all risk etc.) for the proposed underwriter. D2 p.27
• Valid Tax Compliance Certificate from Kenya Revenue Authority. D2 p.27
• Copy of confirmation of directors and shareholding (CR-12) from the Registrar of Companies, issued within the 12 months before tender opening, for the proposed underwriter. D2 p.27
• Current and valid business licence from the local authority where the business head office is located. D2 p.27
• Duly filled Confidential Business Questionnaire. D2 p.27
• Duly filled and signed Certificate of Independent Tender Determination. D2 p.27
• Duly filled Form SD1 self-declaration that the tenderer is not debarred under the Public Procurement and Asset Disposal Act 2015. D2 p.27
• Duly filled Form SD2 self-declaration that the tenderer will not engage in any corrupt or fraudulent practice. D2 p.27
• The original tender must be sequentially paginated on every page including attachments, using numbers. Spiral-bound documents, box files with loose pages or any loose-leaf pages will not be accepted. D2 p.27
• Power of attorney confirming that the Form of Tender is duly stamped and signed by the person lawfully authorised, if the signatory is not a director (CR12). D2 p.27

Experience, licences and financial capacity

Technical

• Stage 2 technical evaluation: bidders must score at least 70 of 100 marks and comply with all requirements to qualify for financial evaluation. Scoring covers student personal accident, WIBA/employers' liability, fire, all-risk and burglary covers, experience, personnel, claims turnaround, rating and financial soundness. D2 p.30
• Sample policy documents are required for each cover; scoring is reduced where there is an excess or exclusions. Insured values include fire cover of Ksh. 856,693,484 and all-risk of Ksh.28,398,484 (see tender). D2 p.28
• Specific experience: reference letters from at least 5 reputable public entities for contracts of at least Ksh. 1,000,000 in the last 3 years. LPOs and award letters are not accepted as references; references must be written within the bidding period. D2 p.29
• At least 5 general insurance assignments (student, WIBA, fire and all-risk) for public entities in the last 3 years, with contract/LPO evidence and invoices or completion certificates. D2 p.29

Financial

• Certified audited accounts for the past three years (2023, 2022, 2021). Each year scores 3 marks. D2 p.30
• General insurance turnover of the underwriter of at least Ksh 1,500,000,000 over the last 3 financial years. Current ratio reference letter also scored. D2 p.30

How and where to submit

• Physical submission only: a sealed tender delivered to the Tender Box at the Procurement Office / Administration Block, addressed to The Chief Principal, Kagumo Teachers' Training College, P.O. Box 18-10100, Nyeri. Electronic submission is not permitted. Unverified D1 p.1
• Tenders must be in a single sealed envelope, with separate sealed envelopes marked ORIGINAL and COPIES, each bearing the tender name and reference. Tender must be in English and pages serialized. Standard rule D2 p.14
• Electronic tenders will not be permitted. D2 p.3

Lots and categories

• Lot 1: Multiple contracts are not permitted; the lowest evaluated tenderer is awarded the contract as one lot. D2 p.31

What the addenda changed

• No addenda were provided for review. Any addenda published on the portal or website must be checked before submission. Not stated P

Not covered in the documents we reviewed

• Section II Tender Data Sheet (TDS) values: maximum JV members, currency conversion, copies, validity start, and tender security form.
• Any addenda or clarifications (portal addenda A1 onward) and their changes to the deadline or requirements.
• Contract duration, commencement date and extension period (ITT 2.2 refers to the TDS).
• Whether a pre-arranged site visit or pre-tender meeting is held, with dates and times.
• Full Section V Schedule of Requirements, insurance specifications and sample policy requirements.
• Section III qualification details beyond pages 26-30 (e.g. turnover data format, litigation/non-performance years).
• Standard forms in Section IV (Form of Tender, CBQ, SD1 and SD2) were only partially reviewed.
• Procurement Officer contact and tender box location confirmation given the conflicting details.

Terms explained

TDS (Tender Data Sheet)

Section II of the tender document giving tender-specific values (e.g. validity, copies, currency). Not included in the material reviewed.

Tender security

A guarantee (cash, bank guarantee or insurer guarantee) submitted with the tender to show commitment. Here it is a bank guarantee of Kshs. 50,000.00.

Tender-Securing Declaration

An alternative to tender security: a signed declaration that, if the tenderer withdraws or fails to sign, it may be debarred.

MR (Mandatory Requirement)

A requirement at Stage 1 that must be met, or the tender fails the preliminary examination.

Responsive / non-responsive

A responsive tender meets all requirements without material deviation. A non-responsive tender is rejected and cannot be corrected later.

Preliminary examination

The first check of tenders for eligibility, completeness and mandatory documents before technical scoring.

AKI / AIBK

Association of Kenya Insurers / Association of Insurance Brokers of Kenya, whose membership certificate is required under MR 2.

IRA

Insurance Regulatory Authority, which registers insurers and licenses them to underwrite cover.

CR-12

Company Registry return showing directors and shareholding, issued within 12 months before opening.

AGPO

Affirmative action groups (youth, women, persons with disability). Not applicable to this tender as no reservation is stated.

Framework tender

A tender that sets up supply arrangements for a period (here 2026-2028) rather than a single one-off purchase.

Standstill period

A 14-day period after award notification during which unsuccessful tenderers may complain before a contract is signed (ITT 42.1).