Defense Base Act Insurance for Overseas Contracts from RPS Technology & Cyber
RPS Technology & Cyber offers specialized access to Defense Base Act (DBA) Insurance, designed to meet the complex needs of insureds working on U.S. government contracts outside the United States. Whether your client is a contractor supporting military operations, providing humanitarian aid, or working on infrastructure development, this program ensures they meet the legal requirements and protect their workforce abroad.
Ideal Accounts and Appetite
This program is ideal for U.S.-based contractors and subcontractors working overseas under contracts funded by the U.S. government. These can include:
- Private security firms operating in conflict zones
- Logistics and transportation providers supporting military operations
- Engineering and construction companies building infrastructure abroad
- Non-governmental organizations (NGOs) delivering aid in foreign countries
- Technical consultants on U.S. government-funded projects
If you have clients bidding on or already working under Department of Defense, USAID, or State Department contracts outside the U.S., they will likely require DBA coverage to remain compliant. RPS can help you place these accounts efficiently.
Coverage Highlights and Advantages
DBA insurance provides workers' compensation benefits to U.S. employees working internationally under government contracts. Key benefits include:
- Medical and disability coverage for job-related injuries and illnesses sustained overseas
- Death benefits for eligible survivors of employees killed while working abroad
- Coverage even in non-combat and non-military roles, if the contract is U.S. government-funded
- Compliance with federal government requirements under the Defense Base Act
RPS partners with a variety of carriers to offer flexible solutions tailored to your clients’ operational scope, risk level, and geographical exposure.
Underwriting Notes and Minimum Premiums
Each submission is evaluated based on contract type, number of employees, country of operation, and nature of duties performed. While minimum premiums can vary by carrier and risk profile, RPS works with you to find competitive and compliant solutions. Strong underwriting support ensures your clients meet all coverage mandates without overpaying.
Territories and Availability
This program is available to agents and brokers in all 50 states, plus Washington, D.C. Coverage applies to work performed outside the United States under qualifying contracts. Whether your client is deploying teams to the Middle East, Africa, Asia, or Latin America, RPS can help you secure the necessary coverage quickly and compliantly.
Why Work With RPS Technology & Cyber?
RPS is a leading wholesale broker with deep expertise in complex and regulated insurance markets, including government contract exposures and international operations. By partnering with RPS, you gain access to:
- Experienced underwriters who understand the nuances of DBA coverage
- Access to multiple carriers for competitive options
- Responsive service to support proposal and compliance deadlines
- Nationwide availability and support for a wide range of industries
Whether you’re placing business for a new overseas contractor or looking to better serve an existing client, RPS Technology & Cyber delivers the tools and expertise to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include U.S. contractors and subcontractors working abroad under U.S. government contracts, such as security firms, logistics providers, engineers, and NGOs.
Is this program available in all states?
Yes, this program is available to agents and brokers in all 50 states and Washington, D.C.
Does the work have to be military-related to require DBA coverage?
No. Even non-military contracts funded by the U.S. government may require Defense Base Act insurance if the work is performed outside the U.S.
What carriers does RPS work with for this coverage?
RPS works with a variety of carriers to find suitable and competitive DBA coverage solutions based on the client’s risk and operational profile.
How quickly can coverage be placed?
Turnaround times vary by submission, but RPS strives to provide responsive service and underwriting support to meet proposal and deployment deadlines.
Need help placing an account? Connect with a market specialist.