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Meet our riskologists

Personal advice starts with a good conversation. Make an appointment and we will look together at what you need.

Riskologists

Light

EN

Meet our riskologists

Personal advice starts with a good conversation. Make an appointment and we will look together at what you need.

Riskologists

Sector

Risk management and procurement support for municipalities

Master your risk profile

The transition to a sustainable built environment is a complex challenge for municipalities, bringing with it new types of risk. In practice, innovative building materials and large-scale solar installations increasingly lead to uninsurability or escalating claims costs. Barbon helps you keep these risks manageable without compromising your sustainability goals.

Insight through data and risk engineering

We support municipal challenges with specialized risk engineering and strategic advice. Driven by data, we provide clear visibility into the risk profile and future claims trends of your real estate portfolio. This ensures you know exactly where the bottlenecks lie in advance—and how to eliminate them.

100% Compliant, maximum results

The result? An insurance solution built on objective data that fully complies with procurement regulations. This ensures you maintain strict control over premium developments, the fire safety of your buildings, and the regulatory compliance of your contracts.

Local government

Key risks

01

Fire safety & sustainability

What does sustainability mean for the fire safety and insurability of municipal real estate?

Solar panels were present in less than 2% of the 10,000 investigated building fires in 2022-2023, and the majority of those did not originate within the installation itself (source: NIPV). Nevertheless, insurers are responding to the changing risk profile of new building materials and large-scale solar power installations with higher premiums and stricter conditions. Without a risk analysis in the design phase, you run the risk of an uninsurable building or a loss ratio that is disproportionate to the premium.

01

Fire safety & sustainability

What does sustainability mean for the fire safety and insurability of municipal real estate?

Solar panels were present in less than 2% of the 10,000 investigated building fires in 2022-2023, and the majority of those did not originate within the installation itself (source: NIPV). Nevertheless, insurers are responding to the changing risk profile of new building materials and large-scale solar power installations with higher premiums and stricter conditions. Without a risk analysis in the design phase, you run the risk of an uninsurable building or a loss ratio that is disproportionate to the premium.

01

Municipal property damage

What happens if the damage to municipal property is higher than the cover?

When a fire affects municipal property, such as a school or sports facility, the restoration costs can exceed the sum insured, especially in the case of outdated valuations or changed rebuilding values. Insurers respond to this with stricter policy conditions and higher deductibles. With the Risk Monitor, we map out in advance where the cover does not match the actual risk, so that you are not faced with a surprise afterwards.

01

Municipal property damage

What happens if the damage to municipal property is higher than the cover?

When a fire affects municipal property, such as a school or sports facility, the restoration costs can exceed the sum insured, especially in the case of outdated valuations or changed rebuilding values. Insurers respond to this with stricter policy conditions and higher deductibles. With the Risk Monitor, we map out in advance where the cover does not match the actual risk, so that you are not faced with a surprise afterwards.

01

Complexity in procurement

From what amount must a municipality tender insurance advice?

From €216,000 (excl. VAT), municipalities and other local authorities must tender advisory services such as insurance brokerage throughout Europe (source: PIANOo, threshold valid from 1 January 2026 to 31 December 2027). A tender process that is not legally robust can lead to objections, delays or a new tendering round. Our Tender Desk guides you through the entire process, ensuring that your procurement is lawful and verifiable.

01

Complexity in procurement

From what amount must a municipality tender insurance advice?

From €216,000 (excl. VAT), municipalities and other local authorities must tender advisory services such as insurance brokerage throughout Europe (source: PIANOo, threshold valid from 1 January 2026 to 31 December 2027). A tender process that is not legally robust can lead to objections, delays or a new tendering round. Our Tender Desk guides you through the entire process, ensuring that your procurement is lawful and verifiable.

Our approach

Control over costs and compliance

We focus on reducing your total cost of risk. By quantifying risks and streamlining processes, we help you save on both premiums and indirect costs. This ensures more resources remain available for your core public and social responsibilities.


  1. Objective insight with the risk monitor

With our Risk Monitor, every property receives an objective risk and sustainability score. This gives you immediate access to the accurate data required for your internal reporting. Furthermore, this data-driven substantiation secures sharper rates and superior terms from insurers.


  1. Safe and insurable sustainability

In close collaboration with the experts at JB Risicobeheer, we provide strategic advice on fire safety during renovation, refurbishment, and sustainability projects. We ensure that prevention and innovation go hand in hand. The result? Your real estate portfolio remains safe, affordable, and—above all—insurable over the long term.


  1. Guaranteed compliance

The procurement of insurance services is complex and highly susceptible to errors. Our Tender Desk ensures that the tendering of your insurance and brokerage services is 100% compliant with all national and European regulations. We handle the legal complexities, ensuring your file is fully watertight.


Contract, Tender

"A legally compliant insurance portfolio begins with a compliantly tendered brokerage service; in partnership with Barbon, we ensure that your procurement process is completely watertight."

Tessa Feller, Profina


The Risk Analyst for this sector

Imco Struiksma

Imco is keen to apply his broad commercial experience, gained at a leading insurance broker, to strategic issues and the procurement of insurance solutions for clients. His approach is disruptive, but always while maintaining core values.

Imco Struiksma, Director at Barbon

Download our white paper

Download our white paper

Did you know that many municipalities unknowingly run a compliance risk when appointing their insurance broker? In our whitepaper, we explain how you can easily mitigate this risk and ensure a fully compliant tender process.

Data-driven

Insurance solutions

Risk management

Meet our riskologists

We believe in the power of personal connection. Ready to transform your sector's challenges into clear, manageable solutions? Book a meeting today, and let’s discuss how to stay ahead of your risks over a cup of coffee.

Riskologists

Meet our riskologists

We believe in the power of personal connection. Ready to transform your sector's challenges into clear, manageable solutions? Book a meeting today, and let’s discuss how to stay ahead of your risks over a cup of coffee.

Riskologists

Meet our riskologists

We believe in the power of personal connection. Ready to transform your sector's challenges into clear, manageable solutions? Book a meeting today, and let’s discuss how to stay ahead of your risks over a cup of coffee.

Riskologists

Your questions, our facts

Your challenges, our insights.

Your questions, our facts

Do solar panels increase the fire risk of municipal property?

What happens if a tender for insurance services is not legally watertight?