FAR 52.228-5 — Insurance — Work on a Government Installation
This clause requires contractors performing work on a government installation to carry specified minimum insurance coverage, protecting both the workforce and the government from liability arising during on-site performance.
- Clause
- FAR 52.228-5
- Applies to
- Contracts requiring work at a government installation
- Flows down to subs
- Yes
- Primary risk
- Uninsured claims and contract default
Key takeaways
- Read the clause as incorporated in your contract — tailoring and alternates change obligations.
- Flowdown obligations are your responsibility; a noncompliant subcontractor is your problem.
- Document compliance contemporaneously; after-the-fact reconstruction rarely satisfies auditors.
- When a clause is unclear, ask the contracting officer in writing before award, not after.
What the clause requires
You must maintain workers' compensation, general liability, and automobile liability insurance meeting the minimum limits stated in the contract for as long as work continues on the installation, and provide evidence of coverage upon request.
How to comply in practice
Confirm required coverage limits before mobilizing to the site, obtain certificates of insurance naming required parties, and calendar policy renewal dates so coverage never lapses mid-performance.
Common mistakes
Contractors let a policy lapse during a multi-year contract because renewal wasn't tracked against the period of performance, discovering the gap only after an incident occurs.
FAQ
What insurance types are typically required?
Workers' compensation, general liability, and automobile liability at minimum, with specific limits stated in the contract.
Do I need to prove coverage?
Yes, certificates of insurance are typically required before starting work and upon renewal.
What if coverage lapses?
It can constitute a material breach and jeopardize continued access to the installation.
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