Who is Covered Under DBA Insurance?
Is a subcontractor (Prime Contractor is responsible for ensuring that the subcontractor has required DBA insurance)
Works on public work contracts with any US government agency, including construction and service contracts in connection with national defense or with war outside the US
Works for the private sector on US military bases or overseas on lands or in territories used by the US for military purposes
Works on overseas contracts approved and funded by the US under the USAID Foreign Assistance Act
Works for American employers providing welfare or similar services outside of the United States for the Armed Forces
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Defense Base Act Insurance Benefits
Statutory workers’ comp benefits paid to employees, their dependents or medical providers in case of job-related fatalities or injuries
Benefits are paid regardless of employer’s responsibility for the injury
Employer’s liability coverage for suits arising from work-related injury or illness, including negligence claims
Types of DBA Coverage Provided
Medical: Any government contractor who gets injured on the job is entitled to medical treatment by a physician of their choice or as the injury requires.
Indemnity for Loss of Wages and Income: Whether you were severely injured or killed while on the job, you can recover a portion of your wages.
- Disability Benefits: Compensation for total disability is 2/3rds of the employee’s average weekly earnings. In some cases, disability compensation can be paid out for life. Employees can get up to 2/3rds of their weekly earnings, up to a current maximum of $1,726.98 per week. Compensation is also available for partial loss of earnings.
- Death Benefits: Allows surviving spouses and/or children to collect partial earnings from the deceased employee. In some cases, beneficiaries can receive payments for life under DBA permanent total disability and death benefits coverage. These payments can also be subject to annual cost of living adjustments. Half of an employee’s weekly earnings are payable to the surviving spouse or to one child. Some may be eligible for 2/3rds of a deceased spouse’s earnings if there are two or more surviving family members.
No Benefit: If a contractor is killed on the job and they don’t have qualifying dependents like a spouse or children, they do not qualify for death benefits.
Additional Coverage to Consider
General Liability: Covers employees liable for bodily injury or property damage. It also reimburses medical expenses for injured parties. It also covers lawsuits alleging property damage or injury due to a contractor’s services.
Travel Accident Coverage: Provides 24/7 coverage for your employees outside of their home country, even if they go on vacation. Coverage can include everything from disability insurance to emergency medical evacuations.
Kidnap/Ransom: Covers employees in the event they are kidnapped. It can also cover the cost of crisis negotiations, extortion, ransom and illegal detention.
Life: Pays out an employee’s spouse or other designated beneficiary if they die. Qualifying events can vary between contracts. Speak with a Clements advisor to get more details.
Health: Covers in-patient, out-patient and emergency expenses for incidents that occur off the job.
Examples of Employees Covered Under DBA
Facilities Maintenance Services
Logistics Professionals/Support Services
DBA Quote Checklist
Choose a qualified broker that has access to major carriers
Review the DBA application with your broker and provide supporting documents such as:
- – Scope of work proposals
- – Contract number/solicitation number
- – Estimated payrolls
Give brokers these documents so they can present them to the insurance market
Have broker present quote options to you
Work with your broker to finalize the terms and choose your initial coverage carrier
Defense Base Act Insurance FAQs
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