Defense Base Act Insurance for Overseas Contracts from RPS Technology & Cyber
RPS Technology & Cyber provides specialized access to Defense Base Act (DBA) insurance for insureds working on U.S. government-funded contracts outside the United States. Whether your client supports military operations, delivers humanitarian aid, or builds infrastructure, this program helps you meet contractual insurance requirements and protect employees deployed overseas.
Ideal Accounts and Appetite
This program is designed for U.S.-based contractors and subcontractors operating abroad under U.S. government-funded contracts. Typical classes include:
- Private security firms operating in conflict zones
- Logistics and transportation providers supporting military operations
- Engineering and construction companies building infrastructure overseas
- Non-governmental organizations (NGOs) delivering aid in foreign countries
- Technical consultants and professional services on U.S. government-funded projects
If you have clients bidding on or performing under Department of Defense, USAID, or State Department contracts outside the U.S., they will often require DBA coverage. RPS helps you place these accounts efficiently and compliantly.
Coverage Highlights and Advantages
Defense Base Act insurance extends workers’ compensation benefits to eligible U.S. employees working internationally on qualifying contracts. Key features include:
- Medical and disability benefits for job-related injuries or illnesses sustained overseas
- Death benefits for eligible survivors of employees killed while working abroad
- Coverage that applies even when the work is non-military in nature, provided the contract is U.S. government-funded
- Assistance in meeting federal contract compliance under the Defense Base Act
RPS places business with multiple carriers to offer flexible solutions matched to your client’s operational scope, risk profile, and geographic exposure.
Underwriting Notes and Minimum Premiums
Submissions are underwritten on a case-by-case basis. Underwriters will consider contract type, employee count, countries of operation, and the nature of duties. Minimum premiums vary by carrier and risk; RPS works with you to find competitive options and avoid unnecessary coverage excesses while ensuring compliance.
Territories and Availability
This DBA program is available to agents and brokers in all 50 states plus Washington, D.C. Coverage applies only to work performed outside the United States under qualifying U.S. government-funded contracts. RPS can source placements for deployments to the Middle East, Africa, Asia, Latin America, and other regions where clients operate.
Why Work With RPS Technology & Cyber?
RPS is a wholesale broker experienced in complex, regulated insurance markets and government contract exposures. By working with RPS you gain:
- Underwriters who understand the nuances of DBA coverage and federal contracting requirements
- Access to multiple carrier markets to secure competitive terms
- Responsive service to support proposal timelines and deployment deadlines
- Nationwide availability and support for a broad range of industries and account sizes
Whether you’re placing a new overseas contractor or supporting an existing client with expanded operations, RPS provides the market access and underwriting guidance to help you get the placement done right.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Good fits are U.S. contractors and subcontractors working abroad under U.S. government-funded contracts, including security firms, logistics providers, engineering/construction firms, and NGOs.
Is this program available in all states?
Yes. Agents and brokers in all 50 states and Washington, D.C. can access the program through RPS.
Does the work have to be military-related to require DBA coverage?
No. DBA can apply to non-military work if the contract is funded by the U.S. government and performed outside the U.S.
What carriers does RPS work with for this coverage?
RPS partners with a variety of carriers to place DBA business and will match your submission to the markets best suited for the risk.
How quickly can coverage be placed?
Placement timing depends on the complexity of the submission, but RPS aims to provide timely underwriting support to meet proposal and deployment deadlines.
Need help placing an account? Connect with a market specialist.