Compliance Requirements
Federal contracts typically include DBA requirements under:
- FAR 52.228-3
- FAR 52.228-4
- Agency-specific clauses
Key compliance points:
- Coverage must be active before deployment
- Certificates must be provided to contracting officers
- Waivers are rare and require Department of Labor approval
- Domestic workers’ compensation or foreign voluntary workers' compensation does NOT replace DBA
Failure to comply can result in:
- Contract suspension
- Payment delays
- Personal liability exposure
Why Dba Matters
Why DBA Insurance Is Critical for Government Contractors
DBA protects:
- Your employees working abroad
- Your balance sheet from catastrophic claims
- Your contract status with federal agencies
Without DBA coverage, your company may be personally liable for:
- Medical bills
- Lost wages
- Death claims
- Litigation costs
This is not a risk worth carrying.
Choosing the Right DBA Program
Not all DBA policies are equal. Key evaluation areas:
Carrier Experience
Look for insurers specializing in government contracting risks.
Claims Handling
Global medical networks and 24/7 claims support matter.
Policy Structure
- Single project policies
- Annual blanket policies
- Payroll reporting requirements
- Subcontractor coverage options
Supplemental Coverage Options
- Business Travel Accident
- Kidnap and Ransom
- War risk
- Evacuation services
- Crisis response
