When my boss told me that we had won a contract overseas, I was pretty excited. We had been trying to get across the border for a couple of years, but this was our first success. We were going to be able to set up shop on a military base in Afghanistan, providing support in our area of expertise. We have a full office staff to take care of most of the details for the paperwork, but he asked me to check into DBA insurance since it was something we never had to deal with before.
I had already researched this type of insurance off and on throughout the last couple of years when it looked like we could possibly win a contract, so I already knew a good bit about it. This was the first time that I was actually going to get some quotes though. Anytime private contractors are on a military base overseas providing freelance work, it is required by law that the workers are covered by DBA insurance. DBA simply stands for Defense Base Act, and it is mandatory for workers outside our borders.
I looked at several companies because there are so many that provide this kind of insurance to companies like ours. This type of insurance carrier is just like any other though. There are some average ones, and then there are the ones that stand out in delivering what they promise. I ended up looking at Insurance Office of America because I liked how they spelled out all the details on their site in easy to understand language. It was very easy to get a quote that would cover everything from minor injuries to death, which is something I hoped none of our guys would ever experience while there. This company made the process so easy, and that is why we chose them.