Defense Base Act (DBA) Insurance

Our agency has been providing clients with DBA Insurance for over 20 years. We work with some of the largest insurers in the world that specialize in DBA Insurance. That means you’ll benefit by receiving the coverage you need and the extended services you want for your employees under DBA.

To receive a custom proposal, download the attached application and return to us.

DBA Coverage Application

We also offer the following International Coverages that often accompany DBA Insurance.

  • International Commercial General Liability
  • International Business Travel Accidental Death & Dismemberment Coverage
  • International Voluntary Workers’ Compensation and Employers’ Liability Coverage
  • International Automobile Coverage
  • International Kidnap and Ransom
  • International Commercial Property
  • International Employee Dishonesty and Crime Coverage
  • Repatriation Coverage

To receive a custom proposal, download the attached application and return to us.

International Coverage Application


The DBA covers the following employment situations:

Working for private employers on U.S. military bases or on any lands used by the U.S. for military purposes located outside the U.S., including those in U.S. territories and possessions.

Working on public works contracts with any U.S. government agency, including construction and service contracts in connection with national defense or with war activities outside the U.S.

Working on contracts approved and funded by the U.S. under the Foreign Assistance Act. This generally provides for cash sales of military equipment, materials and services to its allies in cases where the contract is performed outside the U.S.

Working for American employers providing welfare or similar services outside the U.S. for the benefit of the Armed Forces, for example, the United Services Organization (USO).

Employees of any sub-contractors of the prime or general contractor involved in a contract involving any of the above.


The Act provides disability, medical and death benefits to covered workers injured or killed during their employment, regardless of whether the injury or death occurred during working hours. Compensation for total disability is for two-thirds of the employee’s average weekly earnings; up to periodically adjusted maximum amounts per week. Compensation also applies for partial loss of earnings. The death benefit is one-half of the employee’s average weekly earnings to the surviving spouse or to one child and two-thirds of those earnings for two or more such survivors; subject to the current weekly maximum. Permanent total disability and death benefits may be payable for life and are also subject to annual cost of living adjustments. There is no minimum compensation rate.

Permanent disability and death benefits payable to aliens and non-U.S. residents may be commuted by payment of one-half of the present value of future compensation. The district director of the Office of Workers Compensation decides how these payments are made. In addition, the injured employee is entitled to medical treatment by a physician of his or her choice, to the extent that the injury requires. Medical benefits are not commuted.

The Act includes detailed instructions and procedures for reporting injuries and filing claims.


The Defense Base Act (DBA) was enacted by legislation in 1941. The primary goal of the Act was to cover civilian government contractor and subcontractor employees working on military bases overseas or outside the United States (U.S.). It was amended to include public works contracts with the government for constructing a variety of non-military projects overseas, including dams, schools, roads and harbors. Another amendment added numerous enterprises directly and indirectly involved with the national security of the U.S. and its allies. Today, almost any contract with a U.S. government agency for work outside the U.S., of a military or other nature, probably requires Defense Base Act coverage.