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Defense base Act

The Defense base Act was created in 1941 to protect workers on United States' bases overseas. As the Act evolved, it was expanded to include all foreign non-military contracts with the federal government. Why is DBA insurance important to you? If your company is a private employer with government contracts overseas, you are required by law to buy the coverage or are subject to fines, jail and reduced legal defense.

Unsure of your coverage and exposure? Let Raley Watts & O'Neill do a full coverage review. We will tell you what is covered and where you are exposed to loss.

Please click here for more information or exclusive access to the RWO DBA presentation.

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Foreign Voluntary Workers Compensation

Most companies are used to buying workers compensation insurance, but are normally not accustomed with the risks from workers traveling and working overseas. Typical compensation policies do not pick up endemic disease and accidents that occur outside of work hours. Foreign voluntary compensation provides primary insurance that covers a broad range of risks and gives you peace of mind.

Do not know if you have the coverage or not? Talk to us and we will figure if you have coverage for exposure such as Repatriation, Endemic Disease, War or Terrorism.

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Errors & Omissions (E&O)

Since traditional insurance typically covers just property damage, bodily injury, and advertising/personal injury, many GCs are left uninsured for its main exposure - providing advice, intellectual property, and/or performing information technology services. Most government contracts require E&O, although enforcement has been hit or miss.

However, if there is a loss arising from an error or omission, how will your insurance policy or insurance broker respond?

Security breaches and poor design advice have been at the center of costly litigation in the past five years. Do not leave yourself uncovered - Talk to us - RWO - insuring it's right.

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Government Furnished Equipment (GFE)

Insurance contracts and government contracts are at odds over the coverage of government equipment or property that is housed by GCs. A typical government contract will require insurance coverage for this property and a typical insurance contract will specifically exclude the said property. The exclusion is usually found in the property section under the care, custody, and control provision.

What does this mean for a GC? It typically means that an exposure that can run in the millions of dollars is unknowingly self-insured by the government contractor. There are cases that have reached hundreds of millions in unintended financial losses.

What do you do? Talk to Raley Watts & O'Neill and we will get it right for you.

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Travel Accident Insurance

Have staff traveling overseas and assume that their health insurance is portable? Think again as most health insurers and compensation carriers will have significant exclusions for the risks presented by overseas travel.

Major exclusions usually revolve around evacuation and repatriation. When an important worker is hurt or sick overseas, you want to do everything possible to help this person get home and get the best care available. However, you do not want the health insurers debating who has coverage and who is responsible for paying the bills. This costs valuable time and money, and in the end could cost someone their life.

Repatriation and evacuation costs have increased 10-fold over the past decade making the coverage a necessary part of any quality insurance program. Examples include injuries on the Great Wall of China, an auto accident in the Dominican Republic, the bulls of Pamplona, and blood clots on planes costing over $100,000 to get the injured individual to the right hospital as quickly as possible. Quality coverage would also pay for close family to visit a stricken loved one as they recuperate.

This is where an experienced broker like RWO comes in - do not leave yourself vulnerable to key gaps in coverage. Talk to us.

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Government Contractor Defense

Most GCs have relied on government immunity and luck to cover its main exposures over the last 20 years. To compound the problem, most government contractors' exposures have been vastly misunderstood by insurance companies leading to high prices, coverage gaps, and unacceptable exclusions that put a GCs financial well-being at risk.

Does government immunity work for most government contractors under most circumstances? The short answer is yes. However, there are a number of exceptions that must be taken into account to fully analyze the risk profile of an GC. These exceptions trigger extraordinarily expensive litigation and you want a broker that will have you covered in your key risk areas.

Want to know more about government immunity and how it applies to you? We will take the time to analyze your business and exposures. Talk to us.

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Definitions

Repatriation-Pays for expenses for a person outside of their home country. Typical expenses include transportation to a qualified medical center for treatment and expenses for accompanying spouse and children.

Endemic Disease-Applies to workers who are stricken with an infectious disease not found in the United States. Typical examples included malaria, dengue fever, and tuberculosis.

War or Terrorism-It is excluded under a typical domestic policy which is highly problematic under a government contract due to the fact that U.S. workers are vulnerable to acts of terrorism. Be sure an experienced broker explains these specific coverage grants or exclusions to you.