Defense Base Act (DBA)

What is Defense Base Act (DBA)?

Federal workers’ compensation benefits for employers of all sizes requiring coverage under a government contract; available through either retail or wholesale brokers.

Programs can be enhanced with other foreign coverages including those within in the WorldRisk® Foreign Package and Business Travel Accident.

Expedited turnaround times are provided for new business quotes.

Policy solutions in all countries for almost all job classifications can be secured (as permitted by governing law and OFAC).

The AIG Advantage

Unparalleled Experience

  • One of few carriers with the necessary expertise and network to help protect U.S. government contractors — no matter where in the world their job takes them.  We’ve seen more DBA claims since 2001 than any other carrier.1

Claims Capabilities

  • Wholly-owned claims operation, with over 40 trained and dedicated claims professionals who, combined speak 20+ languages, keeps clients closer to the claims operation.
  • Ability to pay claims in local currencies when needed and remit foreign currency bank transfers to more than 180 countries in over 135 currencies.
  • Managed medical savings program encompasses a vast network of preferred pharmaceutical and durable medical equipment providers and diagnostic testing and therapy facilities across the U.S. 
  • In-house team of highly-experienced claims attorneys oversee the DBA Litigation Program and War Hazard Compensation Act Recovery Process and provide specialized expertise and savings in DBA claims.

Medical Evacuation Services 

  • Eight integrated service centers across six continents to respond to medical, security and travel needs 24/7 and in 170 languages.
  • Access to hundreds of thousands of medical providers worldwide and 300+ air ambulance and medical transport providers.
  • Physicians board-certified in emergency medicine and other specialties have critical care, clinical and triage experience available 24/7 over the phone to coordinate with medical case managers and insured’s physician for emergency medical needs.

Learn more about Defense Base Act insurance


Problem Solvers

Challenge: A client sought coverage for employees traveling overseas the following day on a government contract.

Solution: AIG underwrote, quoted and bound the policy in one day and provided the needed coverage for the workers when they traveled for the contract.

Benefit: The client was able to satisfy the contract and had peace of mind knowing they were protected from potential lawsuits from injured employees.

Creative Solutions

Challenge: A client engaging in a new government contract in the Middle East sought coverage that their current carrier would not underwrite.

Solution: AIG’s broad underwriting appetite allowed us to quote the exposure and issue a policy to cover this and future contracts.

Benefit: Supported by AIG’s multinational expertise, solutions and service, the client obtained the coverage needed to protect workers traveling to the Middle East.

Claims Expertise

Challenge: A client’s employee was severely injured in Nepal and no adequate medical services were available.

Solution: AIG Claims, in conjunction with AIG Travel, was able to medivac the injured employee to Dubai for emergency medical intervention and stabilization and subsequently repatriated the employee to their home country for recovery/ rehabilitation.

Benefit: The client was reassured that AIG had the capabilities to handle this remote and complex injury situation.

National Leadership

Barbara Luck

President of North America Retail Casualty

James Barbuti

Head of North America Multinational Casualty

Bert Iams

Head of Defense Base Act Insurance

Corrinne Lloyd-Davies

AIG Travel Senior Account Manager

Nicole Kelefas

Defense Base Act, Risk Management Consultant


Downloadable Materials