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.

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

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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