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What is DBA Insurance?

Defense Base Act (DBA) insurance, also referred to as DBA workers’ compensation, is a form of insurance provided to employers to protect against injury incurred or disease contracted by an employee arising during employment.

Goldstar is a leading provider of affordable, comprehensive Defense Base Act insurance coverage. As an experienced underwriter appointed with many DBA policies in Uganda, we have the experience to ensure we deliver the right DBA insurance policy for your organization.

More importantly, Goldstar is renowned for unparalleled service, with a dedicated team assigned to help you during your application process.

BACKGROUND: U.S. Federal law requires all contractors and subcontractors to secure Defense Base Act workers’ compensation insurance for their employees working overseas when they are engaged in the following activities:

  • Working for private employers on U.S. military bases or on any lands used by the U.S. for military purposes outside of the United States, including those in U.S. territories
  • Working on public work contracts with any U.S. government agency, including construction and service contracts in connection with national defense or with war activities outside the U.S.
  • Working on contracts approved and funded by the U.S. under the Foreign Assistance Act, generally providing for cash sale of military equipment, materials, and services to its allies, if the contract is performed outside of the United States
  • Working for American employers providing welfare or similar services outside of the United States for the benefit of the Armed Forces, e.g. the USO

If any one of the above criteria is met, all employees engaged in such employment, regardless of nationality, must be covered under the Defense Base Act unless they have an official waiver from the Department of Labor.  However, it is the Department of Labor’s policy that the waiver does not apply to citizens or legal residents of the U.S. or to employees hired in the U.S.

Workers Compensation Insurance

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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.

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.

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.

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.

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.


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.

How to make a claim

We have a number of options to help you make a claim quickly and effectively. Contact our dedicated claims team for advice on an incident/claim.

Why choose us ?

Goldstar Insurance was IFM’s Best Insurance Company in Uganda (2015) and has over the years consistently maintained a Global A+ Credit Rating