--- title: "Does every federal contractor have the same insurance requirements?" description: "No single fixed-price schedule applies to every federal award. FAR 28.306 says agencies are not ordinarily concerned with a fixed-price contractor’s insurance, but may specify it in special circumstances; FAR 28.310 prescribes an installation-work clause for a narrower set of contracts, with exceptions." canonical: "https://spot.insure/industries/government/federal-insurance-requirements" 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/government/federal-insurance-requirements) # Does every federal contractor have the same insurance requirements? No single fixed-price schedule applies to every federal award. FAR 28.306 says agencies are not ordinarily concerned with a fixed-price contractor’s insurance, but may specify it in special circumstances; FAR 28.310 prescribes an installation-work clause for a narrower set of contracts, with exceptions. [FAR 28.306 — Insurance under fixed-price contracts](https://www.acquisition.gov/far/28.306), [FAR 28.310 — Contract clause for work on a Government installation](https://www.acquisition.gov/far/28.310) Read the solicitation and signed contract to find the clauses and Schedule that actually apply. FAR 52.228-5, when included, points to the kinds and minimum amounts stated in those contract documents; the cited federal rules do not establish state or local procurement requirements. [FAR 52.228-5 — Insurance—Work on a Government Installation](https://www.acquisition.gov/far/52.228-5), [FAR 28.306 — Insurance under fixed-price contracts](https://www.acquisition.gov/far/28.306) ## 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 Government Insurance Buying Guide](https://spot.insure/industries/government) ## More Government Questions - [Is a bid guarantee or surety bond the same as insurance?](https://spot.insure/industries/government/bond-or-insurance) ## Coverage to Discuss - [General liability](https://spot.insure/coverage/general-liability) - [Workers’ compensation](https://spot.insure/coverage/workers-compensation) - [Commercial auto](https://spot.insure/coverage/commercial-auto) - [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) - [Cyber liability](https://spot.insure/coverage/cyber) - [Surety bonds](https://spot.insure/coverage/surety-bonds) ## Sources and Further Reading - [FAR 28.306 — Insurance under fixed-price contracts](https://www.acquisition.gov/far/28.306) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 28.306(a)-(b); current display FAC 2026-01, effective 2026-03-13; accessed directly 2026-09-28 Conditional federal guidance on when agencies may specify insurance under fixed-price contracts. - [FAR 28.310 — Contract clause for work on a Government installation](https://www.acquisition.gov/far/28.310) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 28.310(a)-(b); current display FAC 2026-01, effective 2026-03-13; accessed directly 2026-09-28 The specific trigger and exceptions for FAR 52.228-5. - [FAR 52.228-5 — Insurance—Work on a Government Installation](https://www.acquisition.gov/far/52.228-5) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 52.228-5(a)-(c), clause dated January 1997; current display FAC 2026-01; accessed directly 2026-09-28 Contract-specific insurance, notice, and subcontract flow-down language when this clause is included. - [FAR 52.228-7 — Insurance—Liability to Third Persons](https://www.acquisition.gov/far/52.228-7) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 52.228-7(a)-(g), clause dated March 1996; current display FAC 2026-01; accessed directly 2026-09-28 Clause terms for certain cost-reimbursement circumstances; read alongside the prescription and contract. - [FAR 28.311-1 — Contract clause](https://www.acquisition.gov/far/28.311-1) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 28.311-1; current display FAC 2026-01, effective 2026-03-13; accessed directly 2026-09-28 - [FAR 28.307-2 — Liability](https://www.acquisition.gov/far/28.307-2) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 28.307-2(a)-(e); current display FAC 2026-01, effective 2026-03-13; accessed directly 2026-09-28 - [FAR 28.101-1 — Policy on use](https://www.acquisition.gov/far/28.101-1) — Federal Acquisition Regulation, Acquisition.gov (U.S. General Services Administration). FAR 28.101-1(a)-(c); current display FAC 2026-01, effective 2026-03-13; accessed directly 2026-09-28 Conditional federal bid-guarantee policy and its bond relationship, exceptions, and form distinctions. - [Small Business](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners (NAIC). FAQ: BOP (lines 20-24); CGL and exclusions (29-54); other liability (55-63); property (102-126); work-from-home (269-283) General descriptions of commercial insurance categories and their policy-dependent scope. - [Launch your business](https://www.sba.gov/counseling/launch-your-business/) — U.S. Small Business Administration. Get business insurance, lines 536-566: common coverage types and buying steps - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. Supplier-risk and insurance guidance (lines 51-59); vendor breach response (170-173); cyber insurance section (175 onward) General vendor-risk, contract, and cyber insurance questions for small businesses; not a federal contract requirement. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; actual contract clauses, policy wording, operations, and jurisdiction determine what applies. This guide addresses federal contracting examples only, not state or local procurement or public-entity insurance. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/government/federal-insurance-requirements.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)