defense base act insurance for department of defense (DoD) contractors
About Global Underwriters Defense Base Act Insurance (DBA) coverage is mandatory for overseas defense contractors
Let Us Help You Get DBA Insurance
Learn More About the Longshore & Harbor Workers' Compensation Act and other DBA Law
Back to the Defense Base Act Home Page

Have you found this site useful? Would this site be of interest to your web site visitors? If so, please link to us.

As featured on/in:

NEW: Help us build our Frequently Asked Questions page! If you have questions about Defense Base Act Insurance Coverage that are not answered on this page, please click here to ask us a question about DBA Insurance. We will answer your question, and if applicable to others, add it to our F.A.Q.

What is the Defense Base Act?

Established in 1941, the primary goal of the Defense Base Act was to cover workers on military bases outside the United States. The act was amended to include public works contracts with the government for the building of non-military projects such as dams, schools, harbors, and roads abroad. A further amendment added a vast array of enterprises revolving around the national security of the United States and its allies. Today, almost any contract with an agency of the U.S. government, for work outside the U.S., whether military in nature or not, will likely require Defense Base Act coverage.

Join Our Announcement List
To receive notification when more information or news
is available on,
please enter your email address below:

Who Requires DBA Coverage?

1. Any employee working on a military base or reservation outside the U.S.
2. Any employee engaged in U.S. government funded public works business outside the U.S.
3. Any employee engaged in a public works or military contract with a foreign government which has been deemed necessary to U.S. National Security.
4. Those employees that provide services funded by the U.S. government outside the realm of regular military issue or channels.
5. Any employees of any sub-contractors of the prime or letting contractor involved in a contract like numbers 1-4 above.

What are the consequences of not carrying DBA Coverage?

Failure to obtain DBA insurance carries stiff penalties. All government contracts contain a provision that requires bidding contractors to obtain necessary insurance. Failure to do so will result in fines and possible loss of contract. The additional and most severe penalty is that employers without DBA coverage are subject to suits under common law, wherein common law defenses are waived. In other words, the claimants or their heirs need only file suit and do not have to prove negligence. Lastly, all claims may be brought in Federal Court and are against the insured directly. According to Ashcraft & Gerel, LLP, the leading national law firm handling Defense Base Act cases for injured workers, these cases can be very costly, and should be a source of great concern for contractors operating overseas.

Some Information Courtesy of AIG WorldRisk

All Information Copyright Global Underwriters 2003 - 2017 / All Rights Reserved