---
title: "Property Owners Liability Insurance - Denchi House"
ocid: "ocds-r6ebe6-0000798980"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-r6ebe6-0000798980"
markdown_url: "https://d3tenders.com/contract/ocds-r6ebe6-0000798980.md"
json_url: "https://d3tenders.com/contract/ocds-r6ebe6-0000798980.json"
source: "Public Contracts Scotland"
current_stage: "Award"
buyer: "HIGHLANDS AND ISLANDS ENTERPRISE"
published: "2025-05-19"
---

# Property Owners Liability Insurance - Denchi House

Buyer: HIGHLANDS AND ISLANDS ENTERPRISE  
Current stage: Award  
OCID: ocds-r6ebe6-0000798980

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[Download OCDS JSON](https://d3tenders.com/contract/ocds-r6ebe6-0000798980.json)

## Summary

Highlands and Islands Enterprise has awarded a contract for the provision of Property Owners Liability Insurance for Denchi House, Thurso. The contract covers the period from 3 May 2025 to 31 October 2025. This procurement falls under the "Economic affairs" category, with a focus on services. The contract was awarded through a limited procurement method without prior publication due to the absence of market competition for technical reasons. The primary location for this contract is in the UKM61 region, and key dates include the contract signing on 1 May 2024.

This tender represents a targeted opportunity for large insurance companies with expertise in specialist risk profiles and co-insurance approaches. Given the niche market and the absence of competition, it highlights growth potential for economic operators familiar with technical requirements in the property insurance sector. Businesses that can provide customized insurance solutions, particularly for assets like Denchi House, would be best positioned to secure such contracts with central purchasing bodies like Highlands and Islands Enterprise.

## Notice

The contract is for the provision of property owners insurance from 3 May 2025 to 31 October 2025 for Denchi House, Thurso. Considering the market's appetite, our broker's advice and previous experience, we consider that the competition is absent for technical reasons. As a result, a co-insurance approach has been considered appropriate for this particular insurance type. The value stated in this notice includes IPT. The supplier stated in this contract award notice is the lead insurer.

### Lot Information

Lot 1

The contract is for the provision of property owners insurance from 3 May 2025 to 31 October 2025 for Denchi House, Thurso

Options: changes to the building during the policy resulting in higher risk and so higher premium

### Procurement Information

Due to the specialist risk profile applicable to the building and our broker's advice and experience there is an absence of competition in the market, and the broker has had to arrange a co-insurance approach. We therefore consider that competition is absent for technical reasons.

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Public Contracts Scotland |
| Latest notice | https://www.publiccontractsscotland.gov.uk/search/show/search_view.aspx?ID=MAY530581 |
| Notice type | PCS Notice - Website Contract Award Notice |
| Procurement type | Standard |
| Procurement category | Services |
| Procurement method | Limited |
| Procurement method details | Award procedure without prior publication of a call for competition |
| Tender suitability | Not specified |
| Awardee scale | Large |
| All stages | Award |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 19 May 2025 |
| Submission deadline | Not specified |
| Future notice date | Not specified |
| Award date | 1 May 2024 |
| Contract period | Not specified |
| Recurrence | Not specified |

## Values

| Field | Value |
| --- | --- |
| Tender value | Not specified |
| Lots value | Not specified |
| Awards value | Not specified |
| Contracts value | £61,766 |

## Status

| Field | Value |
| --- | --- |
| Tender status | Complete |
| Lots status | Complete |
| Awards status | Not specified |
| Contracts status | Active |

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | HIGHLANDS AND ISLANDS ENTERPRISE |
| Locality | INVERNESS |
| Post town | Inverness |
| Postcode | IV2 5NA |
| Country | Scotland |
| ITL 1 | TLM Scotland |
| ITL 2 | TLM2 Highlands and Islands |
| ITL 3 | TLM20 Highlands and Islands |
| Local authority | Highland |
| Electoral ward | Inverness South |
| Westminster constituency | Inverness, Skye and West Ross-shire |
| Delivery location | TLM61 Caithness and Sutherland, and Ross and Cromarty |

## Supplier

| Field | Value |
| --- | --- |
| Number of suppliers | 1 |
| Supplier names | AXA XL INSURANCE |

## CPV Codes

### Divisions

- 66 - Financial and insurance services

### Codes

- 66510000 - Insurance services
- 66515200 - Property insurance services

## Release History

- 19 May 2025 at 00:00 - Award - PCS Notice - Website Contract Award Notice - https://www.publiccontractsscotland.gov.uk/search/show/search_view.aspx?ID=MAY530581

## Documents

- https://www.publiccontractsscotland.gov.uk/search/show/search_view.aspx?ID=MAY530581
  Property Owners Liability Insurance - Denchi House - The contract is for the provision of property owners insurance from 3 May 2025 to 31 October 2025 for Denchi House, Thurso. Considering the market's appetite, our broker's advice and previous experience, we consider that the competition is absent for technical reasons. As a result, a co-insurance approach has been considered appropriate for this particular insurance type. The value stated in this notice includes IPT. The supplier stated in this contract award notice is the lead insurer.

## Notice URLs

- http://
- http://www.hie.co.uk
- https://api.publiccontractsscotland.gov.uk/v1/Notice?id=ocds-r6ebe6-0000798980
- https://www.scotcourts.gov.uk/the-courts/court-locations/inverness-sheriff-court-and-justice-of-the-peace-court

## Provenance

This Markdown file is an alternate public rendering of the D3 Tenders contract record. The canonical page is https://d3tenders.com/contract/?ocid=ocds-r6ebe6-0000798980. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-r6ebe6-0000798980.json.