International Defense Base Act (DBA) Insurance Coverage

Defense Base Act (DBA) insurance, also referred to as DBA workers’ compensation, is a form of insurance provided to employers to protect against injury incurred or disease contracted by an employee arising during employment. Clements Worldwide is a leading provider of affordable, comprehensive Defense Base Act insurance coverage. As an experienced, independent international broker appointed with all the leading authorized DBA coverage providers, Clements conducts premium price comparisons on your behalf and delivers the right DBA insurance policy for your organization.

More importantly, Clements is renowned for unparalleled service, with a dedicated team assigned to help you during your application process as well as to represent you if you have a claim.

Defense Base Act (DBA) Insurance Requirements and Criteria

BACKGROUND: U.S. Federal law requires all contractors and subcontractors to secure Defense Base Act workers' compensation insurance for their employees working overseas when they are engaged in the following activities:

  • Working for private employers on U.S. military bases or on any lands used by the U.S. for military purposes outside of the United States, including those in U.S. territories
  • Working on public work contracts with any U.S. government agency, including construction and service contracts in connection with national defense or with war activities outside the U.S.
  • Working on contracts approved and funded by the U.S. under the Foreign Assistance Act, generally providing for cash sale of military equipment, materials, and services to its allies, if the contract is performed outside of the United States
  • Working for American employers providing welfare or similar services outside of the United States for the benefit of the Armed Forces, e.g. the USO

If any one of the above criteria is met, all employees engaged in such employment, regardless of nationality, must be covered under the Defense Base Act unless they have an official waiver from the Department of Labor.  However, it is the Department of Labor’s policy that the waiver does not apply to citizens or legal residents of the U.S. or to employees hired in the U.S.

Like standard workers' compensation insurance, DBA insurance rates are computed per $100 of your payroll. 

international defense base act insurance application

By completing the attached application you will receive quotes from all the top authorized DBA insurers. To speak with a Clements specialist about Defense Base Act coverage, call us today at +1.202.872.0060 or 800.872.0067 or e-mail

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  • Benefits & Features
  • Resources

Benefits & Features 

Clements Workers’ compensation is underwritten by certain underwriters at Lloyd's and coverage includes: 

Workers’ Compensation: 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.  

Employer’s Liability: Liability coverage for suits arising out work-related injury or illness, typically involving negligence or allegations of negligence by the employer

By completing the DBA Workers Compensation Insurance Application you will receive quotes from all the top authorized DBA insurers. To speak with a Clements specialist about Defense Base Act coverage, call us today at +1.202.872.0060 or 800.872.0067 or e-mail

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