--- title: "Does FAR set one insurance package for every defense business?" description: "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." canonical: "https://spot.insure/industries/defense/does-far-set-one-package-for-defense-contractors" page-type: "industry-faq" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/defense/does-far-set-one-package-for-defense-contractors) # 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. [28.307-2 Liability](https://www.acquisition.gov/far/28.307-2) Before bidding, ask the contracting officer which provisions apply to your entity and whether a subcontract flow-down changes the requested terms. [28.307-2 Liability](https://www.acquisition.gov/far/28.307-2) 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. [28.307-2 Liability](https://www.acquisition.gov/far/28.307-2), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) [Read the Defense Insurance Buying Guide](https://spot.insure/industries/defense) ## More Defense Questions - [How should a prime and subcontractor prepare a quote for prototype delivery followed by site integration?](https://spot.insure/industries/defense/how-should-a-prime-and-subcontractor-split-the-quote) ## Coverage to Discuss - [General liability](https://spot.insure/coverage/general-liability) - [Product liability](https://spot.insure/coverage/product-liability) - [Commercial property](https://spot.insure/coverage/commercial-property) - [Workers’ compensation](https://spot.insure/coverage/workers-compensation) - [Commercial auto](https://spot.insure/coverage/commercial-auto) - [Cyber liability](https://spot.insure/coverage/cyber) ## Sources and Further Reading - [28.307-2 Liability](https://www.acquisition.gov/far/28.307-2) — 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — 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](https://content.naic.org/cipr_topics/topic_cybersecurity.htm) — 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](https://content.naic.org/sites/default/files/inline-files/cyber-insurance-naic.pdf) — 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. 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