Provide specialized protection for overseas workers of U.S.-based government contractors.

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Defense Base Act Insurance

Civilian workers of U.S. government contractors and subcontractors, from the military to disaster relief, nonprofits, and education, are required to have Defense Base Act (DBA) Workers’ Compensation insurance to cover injury or illness to employees – no matter where in the world their job takes them. Through GMG Underwriters, a Tangram division, we can provide your insureds with DBA insurance and support.

DBA insurance requirements are identical to the Longshore and Harbor Workers’ Compensation Act (LHWCA) requirements. Every employer is therefore required to secure insurance for the payment of Workers’ Compensation benefits or to be permissibly self-insured. Every employer is also liable for disability, medical, and death benefits for employees in the event of injury or death.

What Is Covered

DBA applies to any employee, regardless of nationality, who is:

  • Working for private employers on U.S. military bases or on any lands used by the U.S. for military purposes outside of the United States, including those in U.S. Territories and possessions;
  • Working on public work contracts with any U.S. government agency, including construction and service contracts in connection with national defense or with war activities outside the United States;
  • Working on contracts approved and funded by the U.S. under the Foreign Assistance Act, generally providing for cash sale of military equipment, materials, and services to its allies, if the contract is performed outside of the United States;
  • Working for American employers providing welfare or similar services outside of the United States for the benefit of the Armed Forces, e.g. the USO.

Coverage Options

DBA insurance provides benefits for employees who work on a U.S. government project outside of the country, in the event that they are injured or killed. We offer comprehensive DBA insurance coverage that includes:

  • Statutory Workers’ Comp benefits paid to employees, their dependents or medical providers in case of job-related fatalities, injuries, or illness
  • Benefits paid regardless of employer’s responsibility for the injury or illness
  • Employer’s liability coverage for suits arising from work-related injury or illness, including negligence claims


Defense Base Act Application

Please complete the application and send to

Our Program Team

Our staff is ready to help you with underwriting and marketing support.

Marketing Resources

We’ve created at-an-glance flyer for our International Insurance program you can share with your staff as well as a Tangram Program Guide for an overview of all our programs and products.

Additional information is available here:

DOL Longshore DBA

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Located across the Golden Gate Bridge, just outside of San Francisco, Tangram is a full-service Managing General Underwriter and Program Manager offering specialty programs. We focus on industry-relevant coverage, competitive pricing, and practical business and risk management solutions for your clients. Since we are not all things to all people, we make sure to create outstanding custom-built solutions that matter to those businesses, and the brokers who serve those industries.

Every day we work on making life easier for you. Whether it’s the submission process, delivering quotes, or servicing accounts – we are determined to break new ground. We are constantly building so we can constantly help you build.

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