Do I Need A DBA Insurance Quote?
In a nutshell, you are required to carry DBA insurance if you have any employees working on a U.S. military base or embassy outside of the United States.
You are also required to provide Defense Base Act insurance for any employee or employees engaged in a United States government-funded public works project outside of the United States.
Meet Our Government Contracting Team
Bruce Johnson, CPCU
Paul Allard
Cathy Lewis
Salena Moore
Angie Velazquez
IOA Quick Facts
Privately Owned
Florida’s largest privately owned insurance agency
Top 10 in Nation
The nation’s 10th largest privately owned agency according to the Insurance Journal
In The Top 25 Largest Agencys
The nation’s 23rd largest insurance agency
Large Team Working For You
1,000+ team members
Many Locations in US and UK
50+ locations in the U.S. and London
Hear What a Few of Our Clients Have To Say
“We have been working with Bruce and his staff for over 10 years and highly recommend them. You will not be disappointed.” - Heidi B., Strom Engineering
“Bruce Johnson and staff have been great to work with. I would highly recommend them.” - Keith R., Quality Power
“I really enjoy and appreciate Bruce Johnson and his team at IOA. They are great, always there when I need them with my many questions.” - Aquilla M., F G Technologies
“We have been a customer of Bruce Johnson’s agency (Insurance Office of America and Payroll Office of America) now for over 10 years. His agency is, by far, the best we have ever dealt with.” - Angela I., Infante Group
Public and Government Contracts
In situations where a military contract of public works contracts with a foreign government you are working on, it is deemed necessary to the United States national security, and you are also required to provide DBA insurance
The Defense Base Act insurance is also required in cases where services are funded by the United States government and are outside the realm of typical military issues or typical military channels.
DBA insurance is also required in any of the instances described above for any subcontractors of the prime contractor or subcontractors of the letting contractor involved in the project.
What Does DBA Insurance Cover?
The purpose of Defense Base Act insurance is to provide financial security for employees and their families in the event that something goes wrong and also to provide peace of mind for employers. This coverage offers a number of benefits for those covered by this kind of insurance. Some of these benefits include:
Coverage for medical expenses and treatments by a doctor of the employee's choosing
Death benefits for the spouse or child of the employee (amount is subject to increase based on cost of living adjustments; payments could be payable for life)
Disability benefits or replacement income up to a certain limit provided up to two-thirds of employee's compensation
Coverage for partial loss of income (normally up to half of an employee's compensation)
Why Choose Us for Your DBA Insurance Quote
In a Hurry?
- Statement of Work
- Location of Work
- Number of Employees
- Estimated Payroll
- Duration of Contract
Case Studies
Case Study 1
A Virginia-based defense contractor was unable to secure the required DBA coverage from their local broker. Their bid was coming due and they called us in a panic. Within 24 hours, we provided a cost-effective proposal which enabled them to land the contract.
Case Study 2
A DC-based defense contractor was unable to secure the required DBA coverage for transport drivers operating off-base in Afghanistan. We negotiated this difficult placement, and they were subsequently awarded the contract.