What Contractors Need for a DBA Insurance Application

When applying for an overseas contract with the US government or its agencies, you must also apply for the Defense Base Act insurance. This insurance is mandatory for workers on Government contracts outside of the US. It is designed to protect you and your employees in the event of an injury, illness or death.If you have secured a US government contract to work overseas, you need to secure DBA coverage for your employees before they are deployed overseas.Just like a contract bid, the DBA insurance carriers require some information to evaluate your application. In this article, we will cover some requirements for the Defense base act insurance application process.

1. Contract Details

Supplying the required information about your contract will help carriers evaluate your application easily. The following should be provided when applying for defense base act insurance. 1. Who is involved in the contract?2. How many employees will be deployed?3. What kind of work will they be doing?4. Where are they travelling to?5. When will the contract start and end?6. How will your employees move around the target country?7. Employee concentration such as the number of workers per flight or workers per location.
The answers to the above questions will help us understand the scope of your overseas contract, reduce delays and get you the right policy for your employees. Much of the information about a contract is contained in the statement of work (SOW).


This is a document required for each contract. It is a detailed description of the contract to be executed. SOWs are issued by the US department that is awarding the contract. They define any specific aspect or requirements of the contract.The details on how you intend to implement the SOW are necessary for your DBA insurance application. For example, if a project involves the use of weapons by employees. You need to state how much training employees have and the use cases for such weapons. If you are working on a project with a classified SOW, you should indicate it on the application form.Be as specific as possible when answering the questions.

2. Payrolls

You should have an idea of the amount of payroll for your contract in the first 12 month period. Also, the ratio of US citizens vs locals that your company will engage and your estimated payroll for each. This information will be audited at the end of the policy by the insurance carrier. You may be required to complete a payroll reporting form at policy expiration. Thus, the supplied payroll data should be as accurate as possible.

3. Organization Details

How you manage your organization is important for the Defense Base Act insurance application. Thsese includes: • How you handle employee background checks• Your personnel record-keeping practices• Your general business experience These details will help the carriers evaluate your application and draw up the right policy for your contract.

4. Claims Loss History

Insurance carriers are also interested in your DBA claims history. You can get the information from your previous carrier who provided the coverage.If it is your first application, you should indicate it on your application form. It is important to provide detailed and accurate information about your business for defense base act insurance application.
With the preparation and supply of needed information, you can get a quote and policy quickly for your contract.At IOA, we can provide a DBA insurance quote even on short notice.Do you want to get a quote for your contract? Click on the DBA quote request button below. 

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Are you ready to save time, aggravation, and money? The team at Insurance Office of America is here and ready to make the process as painless as possible. We look forward to meeting you!

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