Defense Base Act Insurance | Offerings | MMA

Defense Base Act Insurance

What is it?

All types of U.S. government contractors working overseas require special protection and support. This type of support is called Defense Base Act (DBA) Insurance and it is special workers compensation insurance for these employees. These civilians could be working in the military, disaster relief, nonprofits, or education. Regardless of the cause we are there for them along the way.

With our team of carriers who specialize in DBA, we have the ability to protect U.S. government contractors – no matter where their job takes them.

History of DBA

  • Congress passed the Defense Base Act in in 1941 to cover construction workers on lend lease military bases outside the continental US.
  • In 1942, the Act was amended by the War Hazards Compensation Act to provide protection to all contractor employees engaged in work outside the US regardless of location, and to cover war risk. It was then amended in 1953 to include public works contracts with the US Government and then amended yet again in 1958 to clarify that coverage is not only limited to war activities.
  • Today, DBA may be interpreted as a law protecting virtually all employees working overseas on US Government contracts.

Who it’s Necessary For:

Any employer with employees working on any project performed outside the U.S., on behalf of the U.S., whether the work be military or non-military, is required to carry DBA insurance.

This could include, but is not limited to employees with the following characteristics:

  • Employed at any military base outside the U.S.,
  • Employed on any foreign lands used by/for the U.S. military,
  • Employed on any public work outside the continental U.S.,
  • Employed under a contract with the U.S., performed outside the U.S.,
  • Subcontractors employed by a general contractor performing any of the above.

What’s Covered?

  • Medical expenses
  • Rehabilitation expenses
  • Indemnity for loss of wages or income (temporary and permanent)
  • Repatriation expenses
  • Disability and death benefits

Additional Coverages Available:

  • Kidnap, ransom, and extortion
  • Foreign voluntary compensation, general liability, and business auto liability
  • Accidental death and dismemberment
  • Emergency security and evacuation 
  • Business travel accident