Under U.S. federal law, American government contractors, private employers and contractors must provide Defense Base Act (DBA) Insurance (also known as DBA Workmen’s Compensation) to civilian employees working outside the continental U.S. on American military bases or under certain contracts with U.S. government agencies for public works or national defense.
Berkshire Hathaway Specialty Insurance Company (BHSI) provides this DBA-mandated coverage, which includes managed disability, medical and death benefits, on a global basis through our experienced Dubai-based DBA underwriting team. Our DBA coverage is supported by claims professionals whose well-established relationships with valued vendors in volatile regions ensure exceptional service to customers when and where they need it most.
Projects covered by the Defense Base Act include civilian workers building non-military public works projects, such as utilities, infrastructure, schools and other humanitarian activities.
DBA disability, medical and death benefits are provided for all contracted employees, regardless of nationality, including U.S. citizens and residents, host country nationals and local hires, and individuals hired from another country to work in the host country (often referred to as third country nationals). BHSI’s offering can be enhanced with optional coverages, including Emergency Medical Evacuation and Supplementary Repatriation Expenses, to address individual need. In addition:
The DBA requires coverage for the following employment activities:
If DBA coverage is required but not purchased, penalties can be severe.
Employers that do not comply with requirements to purchase DBA insurance can face serious fines, including up to USD 10,000, up to 10 years imprisonment, or both. Additionally, if an employee is injured on the job and not insured under DBA coverage, the employer must pay the benefits of the injured employee, as mandated under the U.S. Longshore and Harbor Workers’ Compensation Act.
A Department of Labor-approved DBA insurer, BHSI provides DBA coverage through our experienced in-house underwriting team, dedicated to providing prompt, flexible service to DBA customers around the globe. Our coverage is backed by the financial strength and stability of BHSI.
At BHSI, we know that what customers value even more than any policy we provide is how we deliver for them when a claim occurs. Claims is Our Product® — and BHSI customers can expect excellent service, delivered swiftly, expertly and compassionately. Our DBA claims team can quickly marshal market-leading experts for on-the-ground investigations and medical services worldwide. We can also provide 24-hour medical evacuation for our customers.