Coverage: Defense Base Act Insurance
Why Needed
Defense Base Act Insurance provides workers’ compensation benefits to civilian employees working under certain Government funded contracts. U.S. contractors and sub-contractors are required to provide Defense Base Act benefits to not only U.S. citizens but also third country nationals (TCN), or local national employees working outside the U.S. on contracts coming within the Defense Base Act.
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Coverages
- Medical
- Rehabilitation
- Indemnity for loss of wages or income (temporary and permanent)
- Disability and death benefits
- Kidnap & Extortion (optional)
- Accidental Death & Dismemberment (optional)
For more information on specific workers’ compensation and employers liability risks refer to U.S. Code Annotated “Section 1651 et seq.” USDOL_OALJ_LHWCA_Benchbook_Longshore_Act_(2002).pdf
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Limits
- Employers Liability - up to $10 million for DBA coverage
- Up to $1 million repatriation
- $5,000 minimum annual premium for DBA coverage
- $7,500 minimum annual premium for DBA coverage in Middle East countries
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Features
e-risk MANAGERSM online claims reporting system
- Managed by ESIS, Inc.
- Secure, web-based claims reporting
- Employer forms for Department of Labor-required reporting (LS202)
- Incident tracking and other reports
Risk Services options
- Provided by ACE risk professionals experienced in DBA
- Tailored to a project
- Stand alone basis or to augment company's program
- Pre-departure assistance, customized training, risk analysis, vulnerability and threat assessment, in-country housing security review
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More Details
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 (1), (2), and (3), 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.
Resources and Useful Links
OWCP/longshore Website
OWCP/Longshore Contacts
District Offices with DBA jurisdiction
Defense Base Act
Longshore Act
Longshore Regulations at 20 C.F.R. Parts 701 to 704.Copy of the Longshore Procedure Manual
Longshore Forms
List of Authorized Longshore Insurance Carriers and Self-Insured Employers
Maximum Compensation Rate and Annual Adjustment Table
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