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Does DBA Coverage Apply to Private Security Contractors Working Non-DOD Clients? | Claim Trove

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Does DBA Coverage Apply to Private Security Contractors Working Non-DOD Clients?

ClaimTrove Research•April 27, 2026•8 min read

Frequently Asked Questions

Does DBA only apply to DOD contractors?

No. DBA applies to any contract with the US for public work outside the continental US, including State, USAID, DOJ, and more.

Can a security firm have different carriers per agency?

Yes. Same firm, same time period, different carriers depending on which agency funded the contract.

What are mandatory carrier programs?

Agency-level programs requiring all contractors under that agency to use one designated DBA insurer during specific time periods.

What if the security firm was a subcontractor?

DBA still applies. If the sub was uninsured, the prime contractor bears statutory liability.

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