Notes on coverage that has to work.
Practical explanations of how these coverages behave in the field — written for the people responsible for deploying personnel and living abroad. 34 articles.
Pre-Deployment Coverage Review (PDF). Ten checks to run before your people travel, formatted for use with your policies in hand. Download the checklist
Required coverage for overseas U.S. government contracts.
What the Defense Base Act Actually Requires
Who needs it, what drives cost, what underwriters ask for, and what DBA does not cover.
Why Your State Workers' Comp Policy Won't Satisfy the Defense Base Act
The assumption that stops mobilizations, and what to check in your contract first.
How Defense Base Act Premiums Are Calculated
Classification, country of performance, payroll basis, and why audits catch people out.
What Happens After a Defense Base Act Injury
The federal process, employer reporting obligations, and where claims get complicated.
Defense Base Act Coverage for Local and Third-Country Nationals
The most misunderstood area of overseas coverage, and the most likely uninsured claim.
The War Hazards Compensation Act and How It Relates to DBA
Why a mechanism you never touch still shapes your pricing and documentation.
Defense Base Act Subcontractor Gaps and Prime Contractor Exposure
Why verifying coverage down the chain protects the prime as much as the sub.
For contracts, subcontract, and risk teams.
Pricing Insurance Into an Overseas Contract Bid
Where margin quietly disappears, and how to estimate before award instead of after.
Reading the Insurance Clauses in an Overseas Government Contract
What to locate, when to raise problems, and the friction points that recur.
Certificates of Insurance for Overseas Contracts: What Primes Actually Need
Why certificates delay mobilizations, and how to avoid the revision cycle.
Verifying Overseas Subcontractor Coverage: A Prime's Process
A workable verification process, and why small subs need help rather than requirements.
Your First Overseas Government Contract: The Insurance Path
What changes when work goes overseas, in what sequence, and the three common errors.
Protection beyond the statutory minimum.
What Defense Base Act Coverage Doesn't Cover
Kidnapping, non-work medical events, war exclusions, evacuation, and disability.
Why the Crisis Response Firm Matters More Than the K&R Limit
Why crisis response infrastructure matters more than the limit.
War Exclusions in Life Insurance
Why personal policies frequently fail exactly when deployed personnel need them.
NGOs, media, and security operations.
Duty of Care for Personnel Deployed Overseas
What the framework covers, where programs fall short, and why documentation matters.
NGO Field Teams: Where Coverage Structures Break Down
Staffing complexity, national staff exposure, evacuation assumptions, donor requirements.
Journalists in Hostile Regions: Coverage Realities
The staff and freelance divide, detention risk, and fixer exposure.
Sanctions and Insurance in Restricted Jurisdictions
How sanctions regimes affect whether coverage responds at all.
How these products behave in practice.
What Actually Triggers a Political Evacuation
Coverage often activates under narrower conditions than organizations assume.
Medical Evacuation, Repatriation, and What Each Actually Means
Four terms used interchangeably that mean quite different things in policy language.
Maritime Security and Piracy-Zone Coverage
Designated areas, embarked security personnel, and coverage that moves with the vessel.
Why Standard Travel Insurance Fails in Unstable Regions
The difference between trip protection and coverage that responds.
For people living and working abroad.
Health coverage for months or years overseas — not a two-week trip. Start with the International Health overview.
International Health Insurance vs. Travel Insurance
The single most useful distinction in this category.
Does U.S. Health Insurance Cover You Overseas?
Employer plans, Marketplace plans, and Medicare outside the United States.
International Health Insurance for a 6–12 Month Stay Abroad
The duration where the product decision is hardest.
Worldwide vs. Worldwide Excluding U.S. Coverage
The plan-design choice that most affects cost.
Medical Evacuation vs. International Health Insurance
Paying for care and getting you to care are different promises.
What Happens to Your Health Insurance When You Move Abroad?
Timing, gaps, and what to keep in place at home.
How International Health Insurance Handles Pre-Existing Conditions
Exclusions, loadings, waiting periods, and disclosure.
How Much Does International Health Insurance Cost?
The variables that move the price, and the ones people forget.
Do Expats Need International Health Insurance if Local Healthcare Is Cheap?
Where the low-cost argument holds, and where it breaks.
Deductibles, Copays and Policy Limits Explained
How cost-sharing works on international plans, and what to compare.
Checklists and orientation.
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