Does FAR set one insurance package for every defense business?
No. FAR 28.307-2 describes conditional contract provisions whose application depends on the contract context and work, including vehicle use for auto terms. Check the clauses in the actual solicitation and award.[1]
Before bidding, ask the contracting officer which provisions apply to your entity and whether a subcontract flow-down changes the requested terms.[1]
Give the broker the applicable clause and the stage it concerns; compare the requested limit and work description with the proposed form instead of assuming another award uses the same terms.[1][2]
Read the Defense Insurance Buying Guide
Sources and Further Reading
- 28.307-2 Liability — Federal Acquisition Regulation, Acquisition.gov. FAR 28.307-2(a)-(e), FAC 2026-01 effective March 13, 2026; contract-context workers compensation, general, auto, aircraft, and vessel terms.
Conditional Federal Acquisition Regulation insurance language; verify the actual solicitation, contract, and contracting-officer direction.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024: commercial property, inland marine, boiler and machinery, commercial general liability, products/completed operations, commercial auto, umbrella, and workers compensation.
General California buyer guidance for commercial property, CGL, auto, and workers compensation concepts.
- Cybersecurity — National Association of Insurance Commissioners, Center for Insurance Policy and Research. Cyber risk categories; relationship to commercial property and general liability; customized cyber policies.
NAIC outlines cyber loss categories, customization, and the limits of assuming standard property or liability forms address cyber risks.
- Cyber Insurance: Cybersecurity for Small Business — National Association of Insurance Commissioners. Small business cyber handout: first-party and third-party coverage, vendor-held data, and duty-to-defend questions, pages 1–2.
NAIC’s small-business handout frames first-party, third-party, vendor-data, and defense questions for a quote review.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.
Updated 2026-09-28. Editorial Policy
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