Contractor Coverage
DBA satisfies a legal requirement. It does not cover everything that happens to people working overseas.
What DBA does not do.
Defense Base Act coverage responds to work-related injury, illness, and death. That leaves real exposure uncovered: kidnapping, non-work medical emergencies, evacuation driven by political instability, life insurance for personnel whose ordinary policies contain war exclusions, and disability outside DBA's scope.
Most organizations discover these gaps during an incident. The purpose of a structural review is to find them before one.
Built as a package, not a stack of policies.
Kidnap & Ransom
Effectiveness depends less on the limit than on the crisis response attached to it — experienced negotiators, coordination, and extraction support.
Life Insurance
Many personal life policies contain war, terrorism, or hazardous-duty exclusions. Coverage for deployed personnel must be written to respond in those conditions.
Accidental Death & Dismemberment
AD&D structured for hazardous duty, including war-risk considerations, with limits aligned to contract requirements.
Disability
Short- and long-term disability for injuries and conditions falling outside the DBA claim path.
International Medical
Medical, evacuation, and repatriation that responds in remote and hostile regions — not policies that assume functioning local infrastructure.
Political Evacuation
Triggered by instability and security deterioration, not only by medical emergency.
Primes, subs, and their people.
- Prime government contractors
- Subcontractors at any tier
- Private security firms
- Logistics and base support
- Construction and engineering
- Technical advisors and trainers
- Independent contractors
Coverage structure depends on countries of performance, duration, personnel mix, contract requirements, and threat environment. No two contracts produce the same package.
Building coverage for a contract?
Call or message with the basics and we can tell you what the package should look like.