Workers’ Compensation provides coverage for employees who get injured on the job. DBA acts as an extension of workers’ compensation insurance covering civilian employees working on US Government contracts overseas. DBA has special rules that govern its coverage policies. For instance, government contractors can only purchase DBA coverage from an insurer approved by the US Department of Labor.
While workers’ compensation laws can vary from country to country, DBA applies to US Federal Law, as all independent government contractors and government contracting agencies must obtain DBA coverage, including for locals and foreign nationals.