Insurance...That's the easy part. Knowledge coupled with a mission to promptly respond is what separates us from our competitors. Aspiring to be the #1 US insurance broker for Government & Defense Contractors takes a concerted effort, consistent delivery of services, innovative ideas, and results that translate into enhanced contract profitability and client confidence. As your partner, we want to take care of your insurance needs so you don't have to.
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Comprehensive Insurance Programs For Government & Defense Contractors
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Insurance...That's the easy part
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Additional coverage recommended to protect government contractors from unexpected loss
General Liability
Business operations on your physical location(s) or client location(s) may foster claims including bodily injury, property damage, personal injury and others that may lead to costly defense costs or judgments.
Automobile Liability
Protecting the corporate financial position against physical damage (car or other property) and personal injury to the driver or other vehicle occupants is key to corporate survival. Auto liability affords coverage to business owned vehicles, those used by employees for business, and when selected, uninsured/under-insured motorists against financial loss.
Workers' Compensation
Work related injuries happen everyday. Workers' compensation allows worker confidence when performing business operations. Protecting financial and medical costs, this coverage enables businesses to function without fear of costly claims related to worker injury or illness. Mandated by most states, workers compensation is a requirement for primes and sub-contractors.
Professional Liability
We are all human and prone to mistakes. Protecting your company against errors or omissions from professional team is critical when faced with an allegation of wrongdoing. Legal defense can cost thousands. Professional liability places the burden on the shoulders of the insurance company.
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Insurance programs to meet the unique needs of Government & Defense Contractors
Key Man
Losing a executive or business development professional that provides the foundation for sales or operations could be devastating for some companies. Key Man provides financial relief to an organization with a life and/or disability program that lists the company as the beneficiary.
Business Travel Accident
Traveling on business or for coverage to compliment Defense Base Act insurance, business travel accident (BTA) provides a financial limit used for unexpected medical costs, evacuation to another country to the US or another for expert medical care. BTA is also used to compliment DBA insurance for claims associated with outside work activities not covered by DBA
Required for all US Government contracts for work overseas, DBA insurance is similar to workers' compensation. Protecting workers against medical costs and lost wages, DBA insurance must be part of any GovCon company with operations in foreign countries. Note: DBA is NOT 24 hour coverage.
Aviation Liability
Aircraft in any form is excluded from the general liability policy. As a result, aviation operations can be provided insurance for hull, hangar operations, and damage to aircraft by selecting specific coverage designed for these exposures. Workers' compensation is also provided by aviation liability insurance carriers due to its unique nature.
Bonds
Bonds are oftentimes required by the US government before a contract can commence. Additionally, a prime may require a sub-contractor to guarantee their work with a bond regarding overall performance against financial loss. Bond qualification can be quick and easy provided financials are available and a clear work plan is in place.
Employee Benefits
Government contractors face a wide variety of employee benefit issues and cost hurdles. Planning benefit purchasing options for Service Contract Act employees versus other contract types can offset costs a great deal, as well as reducing workers compensation costs and some state level tax burdens.
World Wide Medical
Do you have employees that are working overseas, but dependents still in the United States? World wide medical may be solution for covering both. Employee benefit programs are not applicable in foreign countries. An alternate type of insurance is necessary for worker exposure to routine medical treatment and possibly transport.
Maritime Liability
Contracts involving worker placed on ships or other water borne vessels, require maritime liability to coverage against physical damage and injury suffered by ship personnel. Considered an endorsement to most general liability or foreign liability programs, awareness is key as it may not be specifically identified in a contract.
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All professionals associated with Risk Reconnaissance are engaged insurance experts with the Insurance Office of America
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Insurance Office of America
100 Galleria Parkway
Suite 600
Atlanta, GA 30339
(770) 250-0227 (Office)
(404) 918-4775 (Cell)
brian.smith@ioausa.com
100 Galleria Parkway
Suite 600
Atlanta, GA 30339
(770) 250-0227 (Office)
(404) 918-4775 (Cell)
brian.smith@ioausa.com
