GPA/WIBA and Group Life Assurance cover for Nyandarua…

What is being bought

Insurance services: provision of GPA/WIBA (Group Personal Accident and Work Injury Benefits Act) cover and Group Life Assurance (GLA) cover for staff of Nyandarua County Assembly for 2026-2027. The initial insurance period is one year, with an optional renewal for one more year (maximum two years) at the county's discretion. Procuring entity address: P.O. Box 720-20303 Ol Kalou, Kenya.

What could disqualify you

Failure to submit any of the mandatory requirements leads to automatic disqualification. All mandatory requirements are checked on a YES/NO basis. D1 p.28
Late tenders will be rejected. D1 p.3
A tender not accompanied by a substantially responsive tender security is rejected as non-responsive. Standard rule D1 p.16
A tender valid for a shorter period than required is rejected as non-responsive. Standard rule D1 p.16
Any tenderer found to have engaged in collusive conduct is disqualified, and criminal or civil action may follow. Standard rule D1 p.10
If the tenderer fails to submit required conflict-of-interest and ownership information, or the county cannot verify it, the tender is rejected. Standard rule D1 p.15
A consistent history of court or arbitral awards against the tenderer may result in rejection of the tender. Standard rule D1 p.35

Key facts

Closing: Wed 21 Oct 2026, 11:00 am
Tenders must be uploaded to the IFMIS portal by the closing time. No addenda were reviewed that change the deadline. D1 p.26
Bid / tender security: Tender security (bid bond) of KSh 50,000.00, valid 30 days beyond tender validity (180 days). Accepted forms: bank guarantee; guarantee from an IRA-listed insurer; guarantee from a CBK-licensed financial institution. Self-insurance guarantee not allowed. Cash is not listed in the TDS. Conflicting D1 p.3
Tender fee: No fee is stated to obtain tender documents. The documents may be viewed and downloaded free of charge. D1 p.3
Site visit: اختياري
Site visits are not applicable to this tender. D1 p.25
Pre-bid meeting: Not stated in the documents we reviewed Not stated D1
Reserved for: No reservation is stated: the portal lists no reserved groups and the tender is open to all qualified tenderers. P
Contract value: Not stated in the documents we reviewed Not stated D1
Tender opening: Electronic public opening on the IFMIS platform, immediately after the deadline, at the Nyandarua County Assembly Hall, main Chamber. Attendance is open to tenderers or their representatives. D1 p.26
Tender validity: Tenders remain valid for 150 days from the date of tender opening. Shorter validity is rejected. D1 p.25

Who can apply

Tender is open to all qualified and interested tenderers under open competitive tendering. D1 p.3
Only insurance service providers registered by the Insurance Regulatory Authority (IRA) are eligible to tender and sign contracts. Standard rule D1 p.10
Joint ventures are not allowed for this tender. D1 p.25
A Kenyan tenderer must show evidence of having met its tax obligations by producing a current tax compliance or tax exemption certificate issued by the Kenya Revenue Authority. Standard rule D1 p.12

Application checklist

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

Required from every bidder

Experience, licences and financial capacity

Technical

Tenderers must score at least 80% in the technical evaluation (total 100 marks) to proceed to financial evaluation. Bids below this are not evaluated further regardless of cost. D1 p.32
Submit detailed insurance policy documents for GLA and GPA/WIBA in the prescribed IRA format. Any bidder failing to submit the three policy documents in the prescribed formats scores zero. D1 p.30
GPA/WIBA and GLA must be one package under one underwriter or broker, with no co-sharing. D1 p.28
Insurance duration is one year, with an optional renewal for one more year, maximum two years. Renewal is solely at the county's discretion and not automatic. D1 p.25
Experience (scored up to 20 marks): about ten reputable clients for GLA/GPA/WIBA insurance within the last three years. D1 p.30
Reinsurance arrangement evidence for GLA and GPA/WIBA covers (scored 3 marks). D1 p.30
Audited financial statements for 2023, 2024 and 2025 (scored 3 marks). D1 p.30
Liquidity ratio (current assets / current liabilities) for 2023, 2024 and 2025: 1:1 and above scores 2 marks each year, lower ratios prorated (6 marks). D1 p.30
Recommendation letters from at least five major corporate clients confirming good claim settlement for GLA/GPA/WIBA within 2023-2025 (scored 5 marks). D1 p.30
Claim administration: evidence of total claims paid, and four samples of claims paid of KSh 150,000.00 and above (2 marks). Settlement within one month or less scores 2 marks. D1 p.30
GLA cover quoted as insurance cover of five (5) times annual income (scored 3 marks). D1 p.31
Last expense cover of not less than KSh 250,000.00 for GLA, GPA and WIBA (each scored 3 marks). D1 p.31
GLA cover for critical illness covering five diseases or more (scored 3 marks). D1 p.31
GPA accidental death cover with earnings of not less than 108 months (scored 3 marks). D1 p.31
GPA temporary total disability with earnings of not less than 64 weeks (scored 3 marks). D1 p.31
WIBA accidental death with earnings of not less than 96 months (scored 3 marks). D1 p.31
WIBA temporary total disability with earnings of not less than 52 weeks (scored 3 marks). D1 p.31
At least three key professional or technical staff, each with a comprehensive CV showing not less than 7 years experience and a duties summary; certified copies of professional body registration certificates; and a clear company organogram. D1 p.31
Claim reporting turnaround: reporting within 72 hours and above scores 4 marks; below 72 hours scores 1 mark. D1 p.32
Detailed methodology: step-by-step claim process for GLA, and for GPA and WIBA, and coverage of critical illness (6 marks). D1 p.32

Financial

Prices must be in Kenya Shillings and inclusive of all taxes, including the procurement capacity building levy of 0.03% of the tender sum and service delivery costs. D1 p.3
Prices are fixed and not subject to adjustment during contract performance, except for an additional or reduced member population. D1 p.25
Tender and payment currency is Kenya Shillings. D1 p.25
Successful tenderer must provide performance security of 10% of the contract price, in the form of a bank guarantee from a bank licensed and operating in Kenya. D1 p.26
Post-qualification minimum turnover, cash flow and similar-contract thresholds appear as blank template entries ([insert amount]); no amount is stated in the material reviewed. Not stated D1 p.34

How and where to submit

Tenders must be submitted electronically through the G.O.K IFMIS Suppliers Portal at www.supplier.treasury.go.ke. D1 p.26
Upload a scanned copy of the original tender to the IFMIS platform. No hand copy is accepted. D1 p.26
For submission purposes the address is: The Clerk, Nyandarua County Assembly, P.O. Box 720-20303 Ol Kalou. D1 p.26
Form of Tender and priced schedule must be initialised by the authorised representative of the insurance firm or underwriter, whose power of attorney must be provided. D1 p.26
Written authorisation to sign for the tenderer must be submitted as a Power of Attorney. D1 p.26
Tender must be signed by a person duly authorised to sign for the tenderer, with name and position typed below the signature. Standard rule D1 p.17
Clarification requests must be in writing to procurement@nyandaruaassembly.go.ke and received at least four days before the tender deadline. D1 p.25
Tenderers who download the tender document must send their particulars to procurement@nyandaruaassembly.go.ke so they receive clarifications and addenda. D1 p.3

Lots and categories

No lots are stated in the material reviewed. Not stated D1

What the addenda changed

No addenda were included in the material reviewed. Not stated D1

Points to confirm with the procuring entity

The documents do not agree with each other on these points. Ask the procuring entity for a written clarification before you submit.

Bid security: original form vs electronic submission: ITT 20.1 requires the tender security to be furnished in original form, but the TDS requires the tender to be submitted as a scanned copy on IFMIS with no hand copy. Ask the procuring entity how the original bid bond must be delivered. (D1 p.16 (ITT 20.1); D1 p.26 (ITT 21.1 and 21.3, no hand copy))
Cash as tender security: ITT 20.3 lists cash among the accepted bid security forms. The TDS and Section III list only a bank guarantee, an IRA-listed insurer guarantee and a CBK-licensed institution guarantee. Ask whether cash is accepted. (D1 p.16 (ITT 20.3); D1 p.25 (TDS ITT 20.1); D1 p.28 (criterion 8))

Not covered in the documents we reviewed

Addenda (A1, A2 and so on): none were provided, so any changes to dates, requirements or documents are unknown.
Number of copies and any physical copies required under ITT 21.1 (TDS does not state a number).
Contract value, budget or estimated premium: not stated in the pages reviewed.
Section V Schedule of Requirements / Terms of Reference, including the staff, benefit and cover details the tender refers to.
Section IV Tendering Forms (Form of Tender, priced schedule, Confidential Business Questionnaire, SD1, SD2, Code of Ethics, Power of Attorney template) and their exact wording.
Section VII Special Conditions of Contract and the Appendix to the Contract (insurance policy wording).
Post-qualification figures (minimum turnover, liquidity cash flow, similar contracts) are blank placeholders in the reviewed pages; the TDS values for these are not confirmed.
Pre-tender meeting: not addressed in the reviewed pages (only site visits are marked not applicable).
Whether cash is accepted as tender security, and how original bid security must be delivered when submission is electronic.
Full pages not reviewed (54 of 79 pages), including the Form of Tender, BOQ tables and general conditions of contract.
Whether the tax compliance certificate and other statutory certificates are required from the tenderer's own records or via the portal.

Terms explained

TDS: Tender Data Sheet: the tender-specific section that changes or adds to the standard instructions to tenderers.
Tender security (bid bond): Money or guarantee submitted with the tender to show commitment. Here KSh 50,000.00; it is forfeited if a bidder withdraws during validity or fails to sign the contract or give performance security.
Tender validity: The period during which the bid must remain open and cannot be changed, counted from the tender opening date.
Responsive: A tender that meets all mandatory requirements and conditions. A non-responsive tender is rejected.
IFMIS: Integrated Financial Management Information System. The government e-procurement platform used to submit and open tenders.
Power of Attorney: A signed document authorising a named person to sign and bind the tenderer.
IRA: Insurance Regulatory Authority. Insurers and brokers must be registered and licensed by it.
AKI / AIBK: Association of Kenya Insurers (for insurers) and Association of Insurance Brokers of Kenya (for brokers). Membership certificates are required.
GPA: Group Personal Accident cover, as named in the evaluation criteria.
WIBA: Work Injury Benefits Act cover, as named in the evaluation criteria.
GLA: Group Life Assurance cover.
CR-12: Company Registry return showing shareholders and directors, issued by the Registrar of Companies. Must be dated within six months.
SD1 / SD2: Self-declaration forms: SD1 confirms the tenderer is not debarred from public procurement; SD2 confirms no corrupt or fraudulent practice.
Performance security: Bank guarantee of 10% of the contract price, required from the successful bidder before contract signature.
Post-qualification: Due diligence on the lowest evaluated tenderer under Section 83 of the PPADA 2015 to confirm it can perform the contract.
Pass mark: Minimum technical score of 80 out of 100 needed before a bid's price is evaluated.
Joint venture (JV): A grouping of firms bidding together. Not allowed for this tender.

GPA/WIBA and Group Life Assurance cover for Nyandarua County Assembly staff (NCA/T/03/2026-2027)