Defense Base Act (DBA)

Why choose AIG Defense Base Act insurance?


AIG's Defense Base Act insurance provides workers’ compensation coverage for U.S. and foreign workers on military bases or overseas government projects.

  • Programs can be enhanced with other foreign coverages including those within WorldRisk® Foreign Package and Business Travel Accident.
  • Expedited turnaround times are provided for quotes.
  • Policy solutions in all countries for almost all job classifications can be secured (as permitted by governing law and OFAC).

The AIG Advantage

24-hour Quote Turnaround Capabilities

Expertise and experience enable rapid response to client needs.

4x More DBA Claims Handled Than Any Other Carrier*

Client claims are handled compliantly and efficiently anywhere in the world.

24/7 Global Assistance

AIG delivers urgent medical, travel, and security assistance around the globe.

  • Understands client exposures through dedicated team members drawing on their collective experience in law enforcement  and the U.S. military 
  • Utilizes data-driven insights and analytics to identify loss trends and opportunities to partner with clients on their risk management needs
  • Empowers experienced underwriters to expedite quote turnarounds, within 24 hours when necessary, to cover U.S. government contractors wherever their job takes them worldwide

  • Deploys 40+ dedicated in-house claims professionals who speak 20+ languages and attorneys experienced in DBA litigation and the War Hazards Compensation Act
  • Enables client claims payments in 135+ currencies and foreign currency bank transfer remittances to 180+ countries
  • Provides 24/7 client access to detailed claims analyses, customizable metrics, and data-driven global insights via IntelliRisk®

  • Responds 24/7 to client medical, security, and travel needs via eight integrated service centers across six continents
  • Provides access to a vast network of medical providers worldwide and 300+ air ambulance and medical transport providers 
  • Medical assistance services coordinated by our physicians who are board-certified in emergency medicine to provide the most appropriate care for insureds undergoing medical care abroad

Real-World Problem Solving

Benefit from our proven experience in working with customers and their brokers and agents to deliver successful outcomes.

Challenge

A client realized its employees needed to travel overseas the following day on a government contract and sought rapid confirmation of coverage.

Solution

AIG underwrote, quoted, and bound coverage within one day, enabled by its understanding of the client’s business and coverage needs and global capabilities.

AIG Benefit

The client satisfied the contract and sent its workers overseas with peace of mind knowing it was protected from potential lawsuits from injured employees or fines or penalties by the government.

Challenge

A client’s employees were injured while transporting military equipment in the Middle East.

Solution

AIG’s DBA claims professionals coordinated immediate medical care for the injured employees and coordinated payment for treatments in the local currency.

AIG Benefit

Employees received the proper medical care and the in-country medical professionals were correctly compensated.

Challenge

A client’s employee working in a remote location was severely injured on the job and adequate medical services were not available locally.

Solution

AIG Claims, in conjunction with AIG Travel, medevacked the injured employee to receive emergency medical intervention and once stable, repatriated the employee to their home country.

AIG Benefit

AIG Travel coordinated an air ambulance evacuation for the client’s employee to receive appropriate medical care according to the medical recommendations made by our medical case manager and physician. After it was determined that the insured employee had stabilized, AIG Travel arranged a commercial flight for the client’s employee to safely return home.

Brokers: Meet Your AIG Team

View contact information for AIG’s national product and distribution teams.

Downloadable Materials

Filename
aig-defense-base-act-highlight-sheet.pdf
Size
139 KB
Format
application/pdf
Defense Base Act (DBA) Highlight Sheet

Filename
aig-dba-client-services.pdf
Size
188 KB
Format
application/pdf
Defense Base Act (DBA) Insurance: Client Services

The scenarios described herein are offered only as examples. Coverage depends on the actual facts of each case and the terms, conditions and exclusions of each individual policy. Anyone interested in the above product(s) should request a copy of the standard form of policy for a description of the scope and limitations of coverage.