Insurance For Government Contractors Who Need It Done Right.
From a $50K SBA-set-aside cleaning contract to a $50M DOD prime — government work demands specific liability limits, exact additional-insured wording, performance bonds, and FAR-compliant endorsements. Most carriers can't write it. KIG places the full stack: GL, professional liability, cyber, pollution, auto, umbrella, workers comp, and surety bonds — built to bind and bid.
The Hard Part Isn't Bidding. It's Getting Bound.
You know the contract requirements — they're spelled out right in the solicitation. The hard part is finding a carrier that will actually bind the policy with the right wording, the right limits, and the right additional-insured language by the contract start date. Most standard markets won't.
KIG places government contract insurance for primes, subs, 8(a) firms, HUBZone businesses, WOSB and SDVOSB awardees, GSA Schedule holders, and DOD contractors. We work with surplus and admitted markets that understand FAR 52.228, DFARS, the Service Contract Act, the Davis-Bacon Act, and the dozens of agency-specific endorsements that show up in DOD, DOE, DHS, NASA, VA, USPS, GSA, and DOT contracts.
Whether you've just won an SBA set-aside, you're chasing your first GSA Schedule award, or you're renewing a $30M IDIQ — we move at award speed.
FAR / DFARS Compliant
FAR 52.228-5, 52.228-7, DFARS 252.228-7000, 7001 — we know which clauses your CO will demand.
Bonding On Day 1
Bid bonds, performance bonds, payment bonds (Miller Act), and supply bonds — placed alongside the policy.
Set-Aside Friendly
8(a), HUBZone, WOSB, EDWOSB, SDVOSB, VOSB — we work with newer firms still building their balance sheet.
Award-Speed Turnaround
You win Friday afternoon, you start Monday morning. We can bind same-day with the right info.
Every Policy A Government Contract Demands.
Most government contracts don't ask for one policy — they ask for the whole stack. Here's what we place.
Commercial General Liability
Almost always required. $1M occ / $2M agg minimum, often $5M+ on federal work.
Professional Liability / E&O
Mandatory for IT services, A&E, consulting, healthcare, and tech contracts.
Commercial Auto
Owned, hired, non-owned. Required on any contract involving site work or transport.
Workers Compensation
Statutory by state. Some federal work also requires Defense Base Act (DBA) coverage.
Cyber & Data Breach
Required by CMMC, DFARS 252.204-7012, and most IT / cleared contracts.
Pollution / CPL
Demanded on environmental, abatement, demo, and any site-disturbance contract.
Commercial Umbrella / Excess
$5M – $25M+ over GL, auto, EL. Required to hit federal contract limits.
Commercial Crime / 3rd-Party
Employee dishonesty, theft, computer fraud — required for many service contracts.
Builders Risk
Course-of-construction property for federal / municipal building projects.
Bid / Performance / Payment Bonds
Miller Act bonds for federal jobs over $150K. Little Miller Act on state work.
D&O / Management Liability
Protects officers from claims by govt agencies, employees, and stakeholders.
Defense Base Act (DBA)
Workers comp for U.S. contractors deployed overseas on federal contracts.
Common Insurance Clauses In Federal Contracts.
If your CO references one of these clauses, here's what they're asking for. We'll match it.
We Insure Every Set-Aside Class.
Newer firms, balance sheet still building, working capital tight — we know the underwriting story and can place it.
8(a) Business Development
Socially / economically disadvantaged firms. Sole-source and competitive set-asides up to $4.5M services / $7M manufacturing.
HUBZone Certified
Historically Underutilized Business Zone firms. 3% federal contract goal annually. Price-evaluation preference.
Women-Owned / EDWOSB
5% federal contract goal. WOSB and Economically Disadvantaged WOSB set-asides in eligible NAICS codes.
Service-Disabled Veteran / Veteran-Owned
3% federal contract goal. VA Vets First program. Sole-source and competitive set-asides.
Small Business Set-Asides
Standard small-business set-asides under SBA size standards by NAICS code.
Mentor-Protégé Joint Ventures
JV agreements between small and large primes. Each entity needs its own coverage stack.
Federal, State, Municipal — All Three.
A non-exhaustive snapshot of the agencies, contract vehicles, and work types our clients hold.
Federal Agencies
Contract Vehicles
Work Types We Insure
From Bid To Bind In Five Steps.
We move at award speed. Most clients go from RFP review to bound policy in one business week.
RFP Review
Send us the solicitation. We extract the insurance, bonding, and indemnity requirements.
Market Submission
We route to specialty carriers with appetite for government work. Surplus or admitted.
Pre-Award Indication
Get an indication letter to attach to your bid showing limits and terms are achievable.
Quote & Bind
Once you win, we bind same-day with all required AI / WOS / PNC endorsements.
COIs To CO
Certificates of insurance issued to your Contracting Officer in the exact format demanded.
Often Stacked With Government Work.
Government contractors rarely need just one policy. Here's what they typically combine.
Contractor Programs
Trade-specific GL, WC, auto, equipment for the construction stack.
Commercial Umbrella
$5M – $25M+ stacked over GL, auto, EL to hit federal contract limits.
Cyber Liability
DFARS 252.204-7012, NIST 800-171, CMMC. Required on most defense work.
Errors & Omissions
Professional liability for IT, A&E, consulting, and advisory contracts.
Pollution Liability
CPL for environmental, abatement, demo, and site-disturbance contracts.
Builders Risk
Course-of-construction property for federal / municipal building work.
Aviation Operations
Aviation support contractors at military and federal airfields.
Workers Compensation
State WC + Defense Base Act for overseas federal work + USL&H for waterfront contracts.
Government Contract Insurance FAQ.
What Insurance Limits Do Government Contracts Require?
It varies by contract. Some smaller civilian work asks for $1M GL. DOD, GSA, federal construction, and base operations contracts routinely require $5M – $10M+ in GL plus matching auto and umbrella. Read your solicitation carefully — limits, additional insureds, and waiver-of-subrogation language are usually spelled out in the FAR clauses incorporated by reference.
How Fast Can You Issue A Certificate Of Insurance?
Once policies are bound, COIs are usually same-day. We can also issue pre-award indication letters that confirm to your Contracting Officer that limits and terms are achievable — useful when you need to attach proof of insurability to your bid.
What's The Miller Act?
Federal law requiring 100% performance bonds and 100% payment bonds on federal construction contracts over $150,000. We place Miller Act bonds alongside your liability program. State equivalents ("Little Miller Acts") apply to state and municipal work — limits and thresholds vary.
Do You Place Defense Base Act (DBA) Coverage?
Yes. DBA is workers comp coverage required for U.S. employees working on federal contracts overseas. Triggered by FAR 52.228-3 and DFARS 252.228-7000. We work with the small group of carriers that write DBA.
I'm A New 8(a) / HUBZone Firm. Can You Quote Me?
Yes. Newer firms with limited operating history are exactly who we work with. We help you build the underwriting story — explaining your past experience, your team's track record, your bonding capacity, and your contract pipeline — so carriers are comfortable writing you.
What's CMMC? Does It Affect My Insurance?
Cybersecurity Maturity Model Certification — DOD's framework for handling Controlled Unclassified Information (CUI). CMMC compliance and DFARS 252.204-7012 drive cyber insurance demands on defense contractors. Most carriers now require evidence of NIST 800-171 controls before binding cyber.
Do You Insure Subcontractors To Larger Primes?
Yes. Lower-tier subs to large defense and civilian primes are a major part of what we place. The prime's flowdown clauses dictate your insurance requirements — send us the subcontract and we'll match it.
What's Required For GSA Schedule Contracts?
GSA Schedule (MAS) holders generally need GL ($1M minimum), auto, workers comp, and professional liability appropriate to the SIN(s) on your schedule. Additional insured wording flows from the ordering activity's task order — requirements can vary widely by agency.
Send Your Solicitation Or RFP
Submit below or text (412) 212-2800 with the contract requirements. We'll respond within one business day.
More Resources For Government Contractors.
Pollution, action-over, management liability, school-district programs, and the niche pages our government clients actually use.
Pollution & Environmental Contractors
Federal / Construction Action-Over Coverage
Management & Specialty Lines
Aviation & Airfield Contractors
School Districts & Public Sector
Federal, state, municipal, DOD, GSA — whatever the contract, we'll match the requirements and bind by the start date.
📞 Call / Text (412) 212-2800