Government contractor insurance: Work abroad with confidence

government contractor insuranceWith growing threats in unpredictable or volatile locations, Clements Worldwide has crafted a customizable insurance plan for government contractors. As many government contractors work in high-risk regions and war zones, Clements specializes in designing comprehensive coverage options that meet the needs of defense, stability operations and security related organizations. Clements also provides policy extensions including coverage for war and terrorism, kidnap and ransom, accidental death and other potential risks.

Portfolio of Products 

Our portfolio of insurance solutions tailored to the government contractors includes but is not limited to:

Defense Base Act Workers Compensation: Required insurance per FAR 52.228-3 for all federally funded public works contracts overseas (OCONUS). Provides contractually required protection for the contractor’s civilian employees for medical expenses, lost wages, disability, and or death, including War Hazard, arising from work related injury or occupational illness. 

Foreign Voluntary Workers' Compensation & Employer's Liability: Statutory benefits paid to an employee or qualified dependents or medical providers as a result of job-related injury or illness, regardless of employer’s negligence or responsibility for the injury or illness.  Employers Liability is coverage for suits arising out work-related injury or illness, typically involving negligence or allegations of negligence by the employer. 

Commercial General Liability: Coverage indemnifies the cost of third party bodily injury and property damage as a result of your operations abroad including legal costs. The policy also covers aggregate products/completed operations liability.

Personal AccidentProvides your employees and beneficiaries with financial compensation in the unfortunate event of an accident during an international trip or living and working overseas. It offers 24 hour cover for Accidental Death and Dismemberment (AD&D), Disablement and pays for Medical Expense, Medical Evacuation and Repatriation. Personal Accident benefits are payable in addition to DBA or Workers Compensation benefits.

Kidnap and Ransom: Ensures financial assistance following a kidnapping, such as ransom demands, deployment of a crisis response team to manage the abduction and legal liabilities that may arise as a result of the kidnapping. 

Case Study: Government Contractor Expands Operations in Dubai by Securing Protection for Property Assets

A global contractor was able to successfully expand their operations in the Middle East by insuring their properties. In addition to a new regional office in Dubai, the company acquired several warehouses and facilities in high risk areas of the Middle East such as Saudi Arabia, Turkey and Egypt. Due to the tumultuous political activity in the region, the new properties were exposed to risks of political violence and civil unrest. In order to alleviate the financial impact of these risks, the organization approached Clements to provide them with comprehensive coverage for their valuable assets.  

Clements secured a single policy for the firm that covered all the company’s buildings, inventory and other assets overseas. The company was financially protected against material damages, including those caused by earthquake, flood, and fire as well as any subsequent loss of business. In addition, Clements obtained a war and terrorism extension that protected the financial security of the company in the event of such an incident.  Thanks to Clements, the global contractor was able to secure the appropriate financial protection for their critical properties overseas

As your partner in mitigating international risk, Clements can develop a policy tailored to your organization’s needs specifically for government contractors. Call us today at +1.202.872.0060 or 800.872.0067 or email

Contact Clements Insurance Specialist