Defense Base Act Insurance

For Ugandan businesses operating in US military bases or on US government contracts, the safety and security of their workers is of paramount importance. Chief among the concerns is ensuring that employees are adequately covered in the event of work-related injuries or illnesses.

Enter Defense Base Act Insurance — a critical consideration for businesses with operations in such circumstances.

We’ll explain what this specialized insurance entails, how it can protect your employees, and why it’s an important aspect of your risk management strategies.

What is Defense Base Act Insurance?

Defense Base Act Insurance, or DBA insurance as it commonly known, provides for the payment of compensation, medical care, and other benefits to employees who are injured in the course of employment or suffer from occupational diseases arising out of and in the course of employment on overseas U.S. military bases and under a contract with the U.S. government for public works or for national defense.

Defense Base Act coverage is unique in that it covers employees regardless of whether they were in compliance with the law or the terms of their employment, whether they were negligent or not, and extends to injuries that occur while employees were on shore and involved in war activities.

This means that for Ugandan businesses and their employees working for the U.S. government, whether in construction, service work, or any other capacity, defence base act insurance is a statutory requirement.

It ensures that workers have access to prompt medical care and compensation for lost wages if they are injured while working.

Our Defense Base Act (DBA) insurance is a specialized type of workers’ compensation insurance designed to cover civilian employees working on U.S. military bases or under U.S. government contracts outside the continental United States. This insurance is mandated by the Defense Base Act, which was enacted in 1941 to extend the provisions of the Longshore and Harbor Workers’ Compensation Act (LHWCA) to these employees.

Who Needs Defense Base Act Insurance Cover?

The following categories are required to have DBA insurance:

Civilians working on U.S. military bases or lands used by the U.S. for military purposes outside the continental United States.

Employees working on public work contracts with any U.S. government agency, including construction and service contracts in connection with national defense or war activities outside the United States.

Employees working on contracts approved and funded by the U.S. under the Foreign Assistance Act, typically providing services to allies or related to national defense.

Employees working for American employers providing welfare or similar services for the benefit of the Armed Services outside the United States, such as those working for organizations like the USO.

What Does Defense Base Act Insurance Cover?

GoldStar Insurance is a top choice for comprehensive defense base act(DBA) insurance coverage.

Our DBA insurance coverage, also known as DBA workers’ compensation, is designed to offer protection to contractors or sub-contractors working on U.S. government contracts or projects overseas against injuries or diseases that your employees may contract during the course of their employment.

Goldstar Insurance, with a proven track record of managing multiple DBA policies in Uganda, is well-equipped to provide the right insurance solution to your organisation.

We take pride in our unbeatable customer service. Our dedicated team is ready to support you throughout your application process to make it as smooth as possible.

Here’s an in-depth look at DBA insurance coverage:

Medical Benefits

This covers all reasonable and necessary medical expenses for employees who are injured or become ill because of their employment. This includes hospitalization, surgery, medical treatment, medications, and rehabilitative services.

Disability Benefits

Temporary Total Disability (TTD)

Provides compensation for employees who are temporarily unable to work due to a work-related injury or illness. Typically, this is a percentage of the employee’s average weekly wage.

Permanent Total Disability (PTD)

Offers benefits to employees who are permanently unable to return to work due to their injury or illness.

Temporary Partial Disability (TPD)

Compensates employees who can work but at a reduced capacity, leading to a loss of earning potential.

Permanent Partial Disability (PPD)

Provides benefits for employees who suffer permanent impairment but can still work in some capacity.

Death Benefits

This provides compensation to the dependents of employees who die because of a work-related injury or illness. This includes funeral expenses and ongoing financial support to surviving spouses and dependents subject to policy terms and conditions.

Rehabilitation Benefits

This offers vocational rehabilitation services to help injured employees return to work, including job retraining and placement services.

Choose GoldStar's Defense Base Act Insurance

GoldStar’s Defense Base Act insurance is crucial for safeguarding civilian workers engaged in high-risk foreign labour under contracts with the US government. In addition to guaranteeing adherence to federal law, it offers employees and their dependents critical financial and medical support in the event of an illness, accident, or death resulting from their employment.

For Ugandan businesses, understanding the nuances of DBA insurance and fulfilling legal obligations is not just about compliance; it’s a vital element of ensuring the welfare and protection of your most valuable assets – your employees.

Rest assured that if you take out a GoldStar Defense Base Act Insurance policy, you’ll be protecting your business and your employees from potential ruin.

In order to make an informed decision about choosing GoldStar’s Contractors All Risk Insurance, you can take a look at the Key Considerations to take note of.

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FAQ’s

How do I cover items that I take away from the home?

You will need contents insurance, sometimes known as all risk cover, for items for which you require cover out with the home. Please provide details of these items at the time of quotation to ensure that the policy provided meets with your requirements.

What is accidental damage cover?

Accidental Damage cover provides protection against costs incurred through damage that you, your family members or visitors may cause to the structure of your Building or to your Contents. Examples of incidents which would be covered under this extension include putting your foot through the loft floor damaging the ceiling below, leaving a tap running leading to water damage or carpet spillages. Such incidents would not be included under a policy taken out to cover Standard Perils only.

Additional charges will apply and in certain circumstances this cover might not be available.

Are items in my garage or shed covered?

Items kept in the garage or garden sheds will be covered under the Contents section of your policy provided you have included their value in the total sum insured declared. Limits may apply to the amount that can be claimed for theft of items taken from outbuildings and additional charges may be made for certain items such as ride on mowers. Cover for motor vehicles and motorcycles is excluded. Please declare your requirements for cover kept in outbuildings at the time of quotation to ensure that the policy provided meets with your requirements.

I live in rental accommodation. Do I still need insurance?

In most cases you will need to arrange cover for your own contents and personal possessions. Please refer to your tenancy agreement to check what, if any cover is provided by your landlord.

What is an excess?

An excess is the amount a policyholder is required to pay towards the cost of any claim. You may be asked to pay this amount to a company that has carried out repairs on behalf of your insurer, or alternatively the sum will be deducted from any settlement received.

Tips:

Goldstar claim process

No matter what your worry is, we’re here to help explain the process, assess your claim fairly and minimize the disruption to you with a transparent claims process.

Contact Us

Plot 38 Kampala Road, Crane Chambers, Kampala

+256 41 4250110

marketing@goldstarinsurance.com