Defense Base Act (DBA) Insurance
If you are providing services overseas, please provide the below information and FEDS Protection
will contact you to explain and secure the mandatory
(and reimbursable) DBA coverage to protect you and your employees.
- offers quick quote turn around
- welcomes small, start-up, and individual contractors as well as subcontractors
- also provides foreign liability and foreign voluntary workers compensation quotes
What is DBA Insurance?
Defense Base Act Coverage, also known as DBA Insurance, is essentially the “Workers Compensation” coverage remedy for overseas government contractors.
DBA insurance provides compensation for injury, disability, or death for persons operating or performing services under a contract or
subcontract with the U.S. Federal Government. Today, almost any contract with an agency of the U.S. government will likely require Defense Base Act coverage.
When Is DBA Coverage Required?
Is DBA coverage required for all personnel working on a contract overseas including American citizens,
Host Country Nationals (HCNs) and Third Country Nationals (TCNs)?
If you have just one employee working overseas on a contract - yes.
You must have DBA coverage in place unless a wavier is granted by the U.S. Secretary of Labor.
Do Local Laws Negate DBA Coverage Requirements?
Do I still need DBA coverage if local laws require additional health insurance for workers?
Yes, DBA is still required by the US government unless a waiver is granted by the U.S. Secretary of Labor.
The most current Active Waiver List can be accessed at the Department of Labor: DBA Waivers.
While local laws may require other insurance, this does not remove the DBA requirement.
These local policies may supplement but cannot substitute for the mandatory DBA coverage.
Is DBA coverage expensive?
Reasonably priced DBA coverage is a reimbursable cost under federal contracts.
DBA costs are based on payroll (generally starting around $3.50 per $100 of payroll and subject to carrier minimum annual premiums),
the type of working being performed, whether the work is in a special danger zone,
the length of the project, and other regional factors.
To get started, please submit this form and one of our agents will contact you!
All information is private and confidential.