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Sahouri Industries

Insurance for  
Overseas Federal Contractors


Adapting to the unique demands of OCONUS contracts



We safeguard U.S. federal contractors' staff and operations abroad with integrated global corporate healthcare and risk solutions.

Our services encompass mandatory Defense Base Act (DBA) insurance, ensuring comprehensive workers' compensation, and customized healthcare benefits to address the diverse needs of an international workforce.

Understanding the complexities of overseas contracts, we act as an extension of your team, focusing on compliance and risk mitigation in challenging territories.

Our expertise in navigating international insurance demands and healthcare requirements ensures your projects are both protected and compliant.


OCONUS federal contracting has its own unique demands, and Sahouri Insurance offers specialized insurance and risk management tailored to these operations. We understand the complexities of working under federal contracts overseas, encompassing various regulatory environments and operational challenges.

Our services include detailed reviews of contracts and compliance requirements, ensuring robust coverage for your global projects. Our approach combines strategic risk management with customized insurance solutions, providing security and confidence for your international federal contracts.

Capabilities for
Overseas Federal 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 OCONUS Federal Contractors

Sahouri Insurance partners with premier markets, renowned for their financial robustness and sector-specific expertise, to offer specialized insurance solutions for OCONUS U.S. federal contractors. These partnerships allow us to develop insurance programs specifically designed to protect the diverse needs of businesses operating under federal contracts overseas. Our focus is on providing adaptive insurance solutions that align with the unique challenges and evolving requirements of federal contractors, ensuring robust coverage for a spectrum of operations in international environments.:

  • Civil Organizations or NGOs
  • Security & Defense
  • Commercial Real Estate
  • IT & Technology
  • Transportation
  • Manufacturing
  • Construction
  • Other sectors

National & Global Reach

Through our domestic and international partnerships, we provide solutions for businesses based overseas, as well as US-based businesses with overseas operations.

Corporate Risk Protection

Transfer, Reduce, & Eliminate Risk

Our global risk experts take the time to conduct comprehensive risk assessments of your operations before making recommendations to address cross-border risks – from cyber exposures 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 Cargo, 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

We understand 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.


Defense Base Act (DBA) Insurance
CMMC for Government Contractors

Defense Base Act (DBA) Insurance Overview

What is DBA Insurance?

The Defense Base Act provides essential workers' compensation protection for civilian employees working outside the United States on U.S. military bases or under a contract with the U.S. government for public works or for national defense.

DBA insurance is designed to cover the medical costs, disability compensation, and death benefits for employees in the event of injury or death resulting from employment.

Who Neeeds DBA Insurance?

  • Contractors and subcontractors working on overseas U.S. military bases
  • Companies involved in public works, construciton, and service contracts related to national defense or military activities outside of the USA
  • Organizations providing services funded by the U.S. government outside the continental United States

Key Benefits of DBA Insurance

Partnering with an experienced insurance provider is essential for navigating the complexities of DBA coverage. Look for insurers with expertise in government contracts and international operations, who can offer tailored solutions and support for the unique needs of your project.

Medical Treament & Rehabilitation

Covers all necessary medical treatments and rehabilitation costs for work-related injuries.

Disability and Death Benefits

Provides compensation for total or partial disability and death benefits to eligible survivors.

Legal and Compliance Assurance

Ensures compliance with federal requirements to protect contractors from potential legal fines.

Understanding CMMC for Government Contractors

What is CMMC?

The Cybersecurity Maturity Model Certification (CMMC) represents a unifying standard for implementing cybersecurity across the defense industrial base.

It's a tiered certification process that ensures all contractors and subcontractors working with the Department of Defense (DoD) adhere to varying levels of cybersecurity practices and processes.

It's important to start early and perform gap analysis because CMMC is implemented in phases. Engaging with knowledgeable partners ensures that your organization not only meets the DoD's requirements but also enhances its overall cybersecurity resilience.

CMMC Compliance Levels

  • Level 1: Basic cyber hygiene practices to protect Federal Contract Information (FCI).
  • Level 2: Intermediate cyber hygiene practices, serving as a transition from protecting FCI to handling Controlled Unclassified Information (CUI).
  • Level 3: Good cyber hygiene practices to protect CUI and encompassing the security requirements specified in NIST SP 800-171.
  • Levels 4 and 5: Focus on protecting CUI from Advanced Persistent Threats (APTs) with more sophisticated cybersecurity practices.

Securing CMMC Certification

Protecting sensitive government data has never been more critical, especially as cyber threats continue to evolve. CMMC serves as the DoD's response to securing the defense supply chain against cyber espionage and theft of intellectual property. It mandates that any entity within the supply chain, not just prime contractors, must be certified at an appropriate level of cybersecurity maturity before engaging in contracts.

1. Identify Requirements

Contractors should begin by identifying the appropriate level of certification needed based on their DoD contracts.

2. Get Assessed

Achieving CMMC certification requires an assessment by a CMMC Third-Party Assessment Organization (C3PAO).

3. Evaluate Operations

Contractors should engage with a C3PAO to evaluate their current cybersecurity posture and identify areas for improvement.


Make smarter business decisions, in less time.

Delivering confidence and peace of mind for our clients by utilizing business intelligence and analytics tools to inspire the right decisions at the right time thanks to a unique integration of data, technology, and human competencies. 

OCONUS Contractor FAQs

How do I ensure compliance with Cybersecurity Maturity Model Certification (CMMC) for my OCONUS contract?

Compliance with CMMC involves aligning your cybersecurity practices and processes with the levels defined by the CMMC framework, from basic cyber hygiene to advanced. Contractors must be assessed by an accredited C3PAO to obtain certification. Start by identifying the CMMC level required for your contract and consult with a C3PAO for guidance on meeting those requirements.

Are overseas subcontractors required to have their own DBA insurance policies?

Yes, federal law requires all U.S. government contractors and subcontractors working overseas to secure DBA insurance for their employees, regardless of whether the subcontractor is directly contracted with the U.S. government or working under a prime contractor.

Do domestic insurance policies cover international exposures for OCONUS contractors?

Typically, domestic insurance policies do not cover the risks associated with working internationally. OCONUS contractors often require specialized insurance products like DBA insurance, global liability coverage, and foreign voluntary workers' compensation to fully address the unique risks of international operations.

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

While the trend is for GCs to transfer the cost of risk to subcontractors, there is an opportunity for negotiation. Subcontractors should engage in contract negotiations early, armed with accurate cost information from their brokers, to potentially shift some liability back to the GC.

What additional coverages should OCONUS contractors consider?

Beyond DBA insurance, OCONUS contractors should consider global liability coverage, kidnap and ransom insurance, political risk insurance, and specialized coverages like maritime & foreign voluntary workers' compensation to comprehensively protect against the unique risks of international operations. Remember to verify and update these FAQs with the latest information and guidelines from authoritative sources to ensure accuracy and compliance.

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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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