What Professional Liability (E&O) Insurance Requirements Apply in Vermont?

What Is Professional Liability (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

What to Watch for With Professional Liability (E&O) in Vermont

• Baseline Inspection Is Limited

  Vermont defines the standard inspection as a nontechnical, limited visual survey using ordinary controls; the report describes general condition at the time and may recommend specialist evaluation. Ask whether your proposed E&O scope matches the actual inspection and report work you sell. ²

• Qualified Inspectors May Expand Scope

  Vermont’s rule allows an inspector qualified by education, training, and experience to exceed the minimum standard and inspect additional systems. List any added testing or consulting services on your application and ask the broker to confirm how the proposed policy describes them. ²

• Written Reports Have a Delivery Deadline

  The rule calls for a written inspection report within five days unless you and the client agree otherwise in writing. That delivery rule does not set an insurer-notice deadline; compare the policy’s claim-reporting terms separately. ²

Which Providers Have Documented Vermont Licenses?

These providers publish a national listing for Professional errors and omissions (E&O); the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Vermont. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

• At-Bay

  At-Bay Insurance Services LLC

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ⁸

  At-Bay offers primary miscellaneous professional liability insurance.

• Coalition

  Coalition Insurance Solutions, Inc.

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ⁹

  Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.

• Corgi

  Corgi Insurance Services, Inc.

  Insurance producer · checked 2026-09-28

  Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰

  Corgi lists miscellaneous errors and omissions coverage for service-based businesses.

• ERGO NEXT Insurance

  Next First Insurance Agency, Inc.

  Insurance producer · checked 2026-09-28

  ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹²

  ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.

• Hiscox

  Hiscox Insurance Company Inc.

  Insurer · checked 2026-09-28

  Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹¹

  Hiscox offers professional errors and omissions insurance for small businesses.

• TechInsurance

  Specialty Program Group LLC

  Insurance producer · checked 2026-09-28

  TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹³

  TechInsurance arranges professional errors and omissions insurance for small businesses.

• Vouch

  Vouch Specialty Insurance Services, LLC

  Insurance producer, Surplus-lines broker · checked 2026-09-28

  Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁴

  Vouch lists errors and omissions among the core coverages in its professional-services programs.

Who Regulates Insurance in Vermont?

Vermont Department of Financial Regulation

The Vermont Department of Financial Regulation administers Vermont insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals. ^3,4,5

Website

Regulator website

License lookup

Search licensed producers

Complaints

File a complaint

Surplus-Lines Tax and Stamping Office in Vermont

Reported tax rate. 3% of premium ^6,7

The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Vermont (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.

Questions to Ask Before You Buy Professional Liability (E&O) in Vermont

1. Does the policy description include each Vermont inspection, report, and additional service our firm offers?
2. If we agree in writing to deliver a report later than five days, does the policy require any different documentation?
3. What reporting deadline applies if a client alleges an error after an inspection, and can we buy an extended reporting period?

Professional Liability (E&O) Insurance in Vermont: FAQ

Sources for Professional Liability (E&O) Insurance in Vermont

1. 26 V.S.A. Chapter 19: Property Inspectors. Vermont General Assembly; §§ 1051–1054; 1091–1092; 2025–2026 statutory text. Accessed 2026-09-28.
2. Administrative Rules for Property Inspectors. Vermont Secretary of State, Office of Professional Regulation; Rules 1.2, 3.1–3.2; PDF states effective December 1, 2015; §§ 3.2(a)–(b). Accessed 2026-09-28.
3. Vermont Department of Financial Regulation. Vermont Department of Financial Regulation; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
4. Insurance Department Directory. National Association of Insurance Commissioners; Vermont Department of Financial Regulation entry; official contact and website listing. Accessed 2026-09-28.
5. Licensing Center. National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28.
6. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; VT row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
7. Guaranty Associations & Funds. National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28.
8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.