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. 24 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 DBA
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 DBA Injury
The federal process, employer reporting obligations, and where claims get complicated.
Coverage for Local Nationals 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.
Subcontractor Coverage 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 a Government Contract
What to locate, when to raise problems, and the friction points that recur.
Certificates of Insurance: What Primes Actually Need
Why certificates delay mobilizations, and how to avoid the revision cycle.
Verifying 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 DBA Doesn't Cover
Kidnapping, non-work medical events, war exclusions, evacuation, and disability.
Understanding K&R Beyond the Policy Summary
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 Deployed Personnel
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.
Checklists and orientation.
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