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Liability Insurance for Federal Employees and Contractors

Defense Base Act (DBA) Insurance

What Is DBA Insurance?

Defense Base Act insurance coverage, also known as “DBA” Insurance, is essentially “Workers Compensation” coverage remedy for government contractors while working overseas. DBA insurance provides medical benefits and compensation for injury, disability, or death for persons operating or performing services under a contract or subcontract with the U.S. Federal Government.

Who Needs DBA Insurance?

Your company is required to purchase a DBA insurance policy if your company has been awarded an OCONUS contract with the U.S. Federal Government and you have as few as one employee working overseas. DBA insurance coverage is required for ALL personnel working overseas on a U.S. government contract, including U.S. Citizens, U.S. Hires (USN’s), Local Nationals (LCN’s), and Third Country Nationals (TCN’s).

In certain countries, the Department of Labor can grant DBA Waivers for Local Nationals. However, U.S. Citizens, U.S. Hires, and Third Country Nationals are ineligible for DBA Waivers, and DBA insurance is required to cover these categories of employees.

What Does DBA Insurance Cost?

Reasonably priced DBA insurance policies are a reimbursable cost under federal contracts. DBA insurance premiums start at $3,500. Similar to domestic Workers’ Compensation policies, the premiums for DBA policies are based on total payroll (remuneration) per job description.

Get Coverage From FEDS Protection!

Our Expertise Includes:

  • Quick Quote Turnaround
  • Waivers
  • Multiple Carriers
  • Low Cost
  • Claims Support
  • Zone of Special Danger
  • Doctrine of Reasonable Recreation
  • Additional Products – Foreign Liability, Kidnap & Ransom, Accidental Death & Dismemberment

To get started with your DBA coverage, Complete this fillable PDF application and email the completed form to

Need More Information?


Deb Moylan
Federal Contractor Insurance Broker
866-955-FEDS (3337)



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