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    Defense Base Act Insurance

    What is the Defense Base Act?

    The goal of the 1941 Defense Base Act was to cover workers on military bases outside the United States. The act includes public works contracts with the government for the building of non-military projects such as harbors, dams, schools, roads and other projects overseas/abroad. Later, many other ventures and enterprises revolving around the national security of the United States and its allies were added to the act via ammendment and require this coverage. Today, most contracts with an agency of the U.S. government, for work outside the U.S., of military in nature and beyond, will likely require Defense Base Act coverage.

    Penalties for Not Providing Defense Base Act Insurance

    Failure to obtain DBA insurance can result in huge monetary penalties. All government contracts contain a provision that requires bidding contractors to obtain necessary insurance and failure to do so may 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. These cases can be very costly, and should be a source of great concern for contractors operating overseas. Let us provide your company with a FAST and FREE insurance quote for your DBA coverage!

    Defense Base Act Insurance
    Online Quotation Form


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    Florida Commercial Insurance (An Affiliate of Insurance Office of America)
    4915 West Cypress Street | Tampa, FL 33607 | Phone: 813-262-2303 | Fax: 813-637-8484
    Email: bruce.johnson@ioausa.com | Florida Insurance License #: A132126