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Sahouri Industries

Insurance for  
U.S. Government Contractors


Government Contractors Insurance & Benefits 



From awarding military to homeland secu!rity and information technology (IT) contracts, the U.S. Government is the largest customer in the world. In fiscal year 2021 alone, the U.S. Government awarded $637 billion in government contracts here at home and abroad, according to the GAO. 

Doing business with the U.S. Federal Government entails special risks and corresponding insurance protection to address these risks. Our specialized GovCon Insurance advocates at Sahouri Insurance has a deep understanding of Prime-Sub Contractor dynamics and the unique risks and insurance challenges faced by both – from the inclusion of limited indemnity clauses, limitations of liability, and liability carveouts in contracts; to the liability of third-party data under the care, custody, and control of the contractor; fulfilling wage requirements; satisfying ever-evolving federal coverage; and compliance mandates, we have solutions for every challenge. 


We also know the importance of having an experienced insurance and risk management professional review all government contracts along with your attorney before a bid and terms are released to discuss the costs involved (for example, Defense Base Act coverage for overseas Workers’ Comp coverage) and ensure the right risk transfers are in place.

Whether your operations are in the U.S. or abroad, Sahouri helps you integrate peer-level Casualty and Benefits solutions to deliver an integrated risk, health, and wealth solution for Government Contractors, providing peace of mind through protection and savings.

Capabilities for
Government Contractors


  • Licensed in all 50 States & Around the World
  • Scope of Expertise: Continental U.S. (CONUS), Outside Continental U.S. (OCONUS), Logistics Civil Augmentation Program (LOGCAP), Defense Base Act (DBA), Expatriate (EXPAT)
  • Bidding, Implementation, Onboarding, Deployment, Active Assignment, Coordination with Carrier, Evacuation, Repatriation
  • Highly Trained and Designated Corporate Risk, Health, & Wealth Insurance Advocates
  • Integrated, Peer-Level Human Resources, Benefits, and Business Insurance Consulting
  • Cutting-edge HR, Risk, Compliance, and other Business Technology Solutions
  • Access to A-rated Insurance Carriers Specializing in serving Federal Contractors
  • Personal VIP Insurance Services

Serving All Government Contractors

We work with several top-tier markets with financial strength and commitment in the fields we serve. Our long-standing relationships allow us to go to market to find exactly the insurance coverage you need to protect your hard work. From start-ups to established companies, our goal is to support you while you grow and innovate and keep our insurance program continually in step. We insure a broad spectrum of government contractors:

  • Facilities & Construction
  • Defense, Security, & Protection
  • Transportation & Logistics
  • Information Technology
  • Manufacturing
  • Human Capital
  • Medical
  • Professional Services

Corporate Risk Protection

Transfer, Reduce, & Eliminate Risk

Our professional team takes the time to conduct a full risk assessment of your operation. Only then will we make coverage recommendations to address the various exposures you face – from cyber risks that include data breaches, third-party financial losses due to an error or omission in work performed, and ransomware; to employment-related disputes (i.e., allegations of wrongful termination, discrimination, sexual harassment); work-related injuries; loss of revenue due to business interruption; and others.


Global Liability Coverage

  • Foreign-Owned Locations
  • Foreign-Owned Contracts
  • General Products Liability
  • Global Travel Coverage
  • Professional Liability
  • Excess Liability (Umbrella)
  • Kidnap, Extortion & Ransom
  • Marine, Equipment Breakdown
  • Accidental Death & Dismemberment

Financial & Management Lines

  • Cyber Liability
  • Directors & Officers (D&O)
  • Employment Practice Liability (EPL)
  • Fiduciary Liability
  • Errors & Omissions (E&O)
  • Business Interruption
  • Crime

Global Personnel Protection

  • Defense Base Act (DBA)
  • Maritime & Foreign Voluntary Workers' Compensation
  • Medical, Political, & Security Evacuation

Property & Auto

  • Lost Business Income Coverage
  • Owned or Hired/Non-owned Auto
  • VIP Personal Property & Auto Insurance


  • Coverage Selection & Renewal
  • Claims Analytics & Management
  • State & Federal Compliance Support
  • Data Center/IT Assessments & Data Breach Services
  • Business Continuity/Disaster Recovery Planning
  • Medical or Security Evac
  • Safety Program Audits
  • Loss Control Technology
  • Executive & VIP Services
  • Software for Ergonomic Learning & Assessment (SEla)
  • Compliance Support & Regulatory Guidance
  • Additional Professional Services

Corporate Health & Benefits

Recruit, Retain, & Reward Top Talent

At Sahouri, we know how critical top talent is to your organization – both in attracting and retaining highly skilled employees. The last few years have been a bit of a roller coaster in hiring. To help companies recruit talent, we offer a portfolio of Employee Benefits products and services.


  • Medical
  • Vision & Dental
  • Pharmacy Plans
  • Savings & Spending Accounts (HRA, HSA, FSA)
  • Voluntary & Executive Benefits
  • Keyperson Policies
  • Buy-Sell Agreements
  • Short & Long-Term Disability
  • Individual & Group Life Insurance
  • Supplemental Health Insurance Plans
  • Behavioral, Health, & Wellness Programs
  • Retirement Plans 401(k), 403(b), 457, SEP, SARSEP, etc.


  • Custom Plan Design
  • HR Consulting & Benefits Administration
  • Payroll, Talent Acquisition, Performance
  • Virtual Care or Telehealth Services
  • Cost Analysis and Containment
  • Claims Analysis and Management
  • Insights from Industry Benchmarks
  • Employee Communication, Training & Education
  • Retirement Planning Management
  • Executive & VIP Services
  • Additional Professional Servcies

We also offer onboarding consulting, ACA compliance, and COBRA administration, among other important services needed in today's business environment.

GovCon FAQs

How much does DBA insurance cost?

DBA insurance is Workers’ Compensation for workers engaged in US government contracts outside the continental United States. DBA is required by primes, subcontractors, and any subordinate contractors that may be engaged on the contract in projects abroad. DBA insurance can cost $20.00 to $30.00 per $100.00 of payroll in high-risk areas.

Does my company need to insure overseas sub-contractors?

According to the Department of Labor, federal law requires all U.S. government contractors and subcontractors to secure Workers' compensation insurance for their employees working overseas.

Do our domestic policies cover our international exposures?

Domestic policies do not adequately address certain risks that contractors may face while traveling or working outside the country.

Can subcontractors negotiate insurance requirements with general contractors (GCs)?

The trend is for a GC (prime contractor) to transfer the cost of risk to subcontractors. There is an opportunity to negotiate with the prime and shift some liability back to the GC. The key is to do so early in the contract negotiations, which involves getting accurate costs from your broker to help with the negotiation.

How can we get CMCC certified?

The Department of Defense (DoD) began incorporating the requirement for Cybersecurity Maturity Model Certification (CMMC) compliance into its requests for information in September 2020. CMMC is now being phased into all DoD tenders until 2026 when all DoD vendors will be required to meet some level of CMMC compliance.

Organizations seeking certification must work with Authorized or Accredited C3PAOs (CMMC 3rd Party Assessment Organizations) listed on the CMMC-AB Marketplace website. The C3PAO and other market vendors, such as a Registered Provider Organization (RPO), will guide the organization through the certification process. Before scheduling a CMMC assessment, the CMMC-AB recommends conducting a self-assessment using the CMMC Assessment Guides.

The steps to CMMC certification at a specific level typically include:

  1. Determine the CMMC level your organization needs to bid on DoD contracts.
  2. Select a professional CMMC-AB Marketplace vendor to walk your organization through the process and conduct a pre-assessment. Typically, an RPO can assist with this. Any gaps discovered can be filled before the formal assessment process.
  3. Use the CMMC-AB Marketplace to find an accredited C3PAO.
  4. The C3PAO then guides your organization through an assessment process per the CMMC maturity level requirements that you have chosen.
  5. Using a Quality Auditor, the CMMC-AB reviews the C3PAO's assessment.
  6. You have 90 days to close any gaps discovered during the formal assessment.
  7. If the assessment meets the criteria for the selected CMMC level, the CMMC-AB will issue your company a CMMC certificate of compliance. This certificate is valid for three years.


Smarter Decisions, Better Outcomes, Less Time

We proactively utilize business intelligence and analytics tools to build client confidence and peace of mind with the right decisions at the right time through the right mix of data, technology, and human competencies. 

50+ Years of Strong Carrier Partnerships

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What our Guests
are Saying

Since 1970, we have treated our clients as Guests worthy of the highest levels of attention and care. Our client centric consulting approach and organizational processes are carefully designed to help us understand and address their unique needs so we can Advocate on their behalf.

Integrate Your Personal Risk

We extend personal services to executives in government contracting to eliminate overlapping exposures between their personal and corporate policies while saving time and money in the process. 

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