Defense Base Act (DBA) Insurance

Defense Base Act (DBA) Workers’ compensation is a form of insurance provided to employers to protect against injury incurred or disease contracted by an employee arising out of the course of employment. Clements Worldwide is a leading provider when it comes to obtaining comprehensive DBA insurance at an affordable price. 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 organisation. 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 Insurance 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 is computed per $100 of your payroll. 

international DBA insurance application

By completing the attached application you will receive quotes from all the top authorized DBA insurers. To speak with a Clements DBA team member, call us today at +44(0) 33 0099 0103 or email to discuss your organisation's needs. 

Contact Clements Insurance Specialist

  • 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

Here are some articles on DBA insurance that will help your organisation to save time and cost: