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Defense Base Act (DBA) Program

When you have a project approved or financed by the U.S. government, it means you also need special workers compensation for employees.

Coverage Highlights


  • Department of Labor-approved insurance provider of Defense Base Act insurance
  • Experienced underwriters in Defense Base Act and international casualty
  • Dedicated DBA claims management team experienced in Longshore and DBA claims
  • Worldwide assistance to employees within 24 hours of claims report
  • Chubb’s global network of underwriting and claims professionals in more than 200 countries


Coverage & Services

  • Medical
  • Rehabilitation
  • Indemnity for loss of wages or income (temporary and permanent)
  • Disability and death benefits
  • Kidnap & Extortion (optional)
  • Accidental death and dismemberment (optional)
  • Risk management services options

Client Profile

Industries and employees that can be subject to the Defense Base Act include U.S.-based businesses with federal government contracts for projects overseas:


  • Engineers
  • Project Managers
  • Consultants
  • Facilities Support Management Services
  • Logistical Support Services
  • Information Technology Providers
  • Educational Institutions


  • Employers Liability: up to $1 million for DBA coverage
  • Up to $1 million repatriation

Covered Contracts

The Defense Base Act applies to contracts awarded for work in these employment related categories:

  • At any military, air or naval base.
  • Upon any lands occupied or used by U.S. government for military purposes or in any territory or possession outside continental U.S.
  • Upon any public works project in any territory or possession outside continental U.S. if under contract with U.S. government.
  • With the U.S. (or representative agency), if contract is to be performed outside U.S. and not within area described above in the three bullets, for purpose of performing public work. DBA insurance must be secured prior to and be maintained during the life of the contract.
  • Under contract approved and financed by U.S. or any executive department or agency, if contract is to be performed outside U.S. under Mutual Security Act of 1954.
  • Outside continental U.S. by American employer providing welfare or similar services for benefit of Armed Forces pursuant to appropriate authorization by Secretary of Defense.



Kerry Battersby
(215) 640-4786

Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers.

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs approximately 40,000 people worldwide. Additional information can be found at:


Defense Base Act (DBA) Program 

Chubb Global Casualty