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
Sources and Further Reading for Defense
- 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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