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District of Columbia crime insurance guide

District law sets different financial-responsibility rules for money transmitters and title insurance producers. A money transmitter must maintain a security device tied to money-handling obligations; a title producer business entity must carry both a surety bond and employee-and-contractor fidelity coverage, with a no-employee exception for the fidelity requirement. These rules apply to the named licensed activities and should not be read as a general crime-insurance mandate. 1,2

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

District of Columbia Requirements

RequirementDetails
Money-transmitter security deviceEach money-transmission application must include a surety bond, irrevocable letter of credit, or other acceptable security device for $50,000, increased by $10,000 per additional location up to $250,000 total. It secures the licensee’s obligations involving receipt, handling, transmission, or payment of money and benefits claimants. Approved cash or securities may be deposited in lieu of all or part of the device. 1
Title producer financial responsibilityA District title insurance producer business entity must obtain a surety bond of at least $200,000 benefiting the District or another aggrieved party, and a fidelity bond or similar insurance policy of at least $200,000 covering all employees and contractors. Each individual title insurance producer also needs $200,000 surety coverage, either through an employing business entity or an individual bond. A sole proprietor or LLC with no employees is exempt from the fidelity requirement; that exception does not waive surety coverage. 2

What to Watch for in District of Columbia

  • Tie each requirement to the licensed activity

    The transmitter security device and title producer coverage requirements address different regulated businesses. They do not establish that every District business must carry a crime policy or a surety bond. 1,2

  • Keep the title producer’s two requirements distinct

    The title producer statute separately calls for surety coverage for each licensed business entity and individual, and fidelity protection covering employees and contractors of a business entity. Confirm the issued instruments, beneficiaries, limits, and terms against each statutory requirement; one should not be assumed to satisfy the other. 2

  • Check the title entity’s workforce before applying the exception

    The fidelity exception is limited to a sole proprietor with no employees or an LLC with no employees. The text does not extend that exception to every small business or remove the separate surety requirements for business entities and individuals. 2

  • Plan for the post-operation security period

    The money-transmitter security device generally remains in place for five years after District operations cease, although the Commissioner may allow reduction or elimination earlier as payment instruments outstanding in the District are reduced. This bond claim-security period is separate from a crime policy’s discovery and reporting provisions. 1

Who Regulates Insurance in District of Columbia

District of Columbia Department of Insurance, Securities and Banking

DISB licenses and supervises insurance companies and producers, enforces District insurance laws, and provides consumer complaint assistance. Its licensing search covers insurance entities and representatives; consumers can contact the agency’s complaints unit for help. 4,5,7

Surplus-lines tax and stamping office

Reported tax rate: Generally 2% of gross premium, including qualifying placement fees When the District is the insured’s home state, surplus-lines agents and brokers generally owe a 2% tax on gross premium, including necessary fees incidental to placement when separately itemized. An agent or broker procuring insurance on behalf of the District government is exempt for that government business; claiming the exemption requires identifying its allocation in the required affidavit and does not waive other statutory duties. Ask the broker which taxes and fees your agreement passes through to you. DISB generally requires a diligent effort to place risks with authorized insurers. For a purchaser meeting the federal exempt-commercial-purchaser definition, the broker may skip that search only after disclosing that insurance may or may not be available from the admitted market, which may provide greater protection with more regulatory oversight, followed by the purchaser’s written request for nonadmitted placement. This record does not state a District-specific guaranty-fund conclusion. 6,8,9,10,3

Providers With Documented State Licenses

These providers publish a national listing for Crime; 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 District of Columbia. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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. 12
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 13
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. 17

Questions to Ask Before You Buy in District of Columbia

  1. Are we licensed as a District money transmitter or title insurance producer, and which exact financial-responsibility provisions apply to our entity type?
  2. For title producer coverage, does the fidelity instrument cover every employee and contractor, and does the separate surety bond identify the required obligee and beneficiaries?
  3. For transmission activity, what locations count toward the security amount, what obligations does the instrument secure, and how long must it remain after operations end?
  4. Does our separate crime policy address employee, contractor, or social-engineering losses, and what coverage conditions, exclusions, and discovery terms apply?

Crime in District of Columbia: FAQ

Does every District business need a crime policy under these laws? 1,2

No general mandate appears in the cited provisions. They impose specified financial-responsibility requirements on licensed money transmitters and title insurance producer business entities, with a limited no-employee exception for title producer fidelity coverage. 1,2

Does a title producer without employees still need the surety bond? 2

The statute exempts a no-employee sole proprietor or LLC from the fidelity bond or similar insurance policy requirement. It separately requires each licensed business entity to obtain the $200,000 surety bond; the cited exception does not waive that bond. 2

Crime in Other States

Other Coverage in District of Columbia

Sources

  1. D.C. Code § 26-1007, Bond or other security device. Council of the District of Columbia, D.C. Law Library; Subsections (a)–(c), base and per-location amount, secured obligations and claimants, alternative security, and five-year post-operations period; current code text checked September 28, 2026. Accessed 2026-09-28.
  2. D.C. Code § 31-5041.02, Licensing requirements. Council of the District of Columbia, D.C. Law Library; Subsection (c)(1A)(C)–(E), title producer entity and individual surety minimums, beneficiaries, business-entity fidelity minimum, workforce coverage, and no-employee exception; current code text checked September 28, 2026. The section notes D.C. Law 18-223 and 20-40; the latter rewrote subsection (c)(1) and added (c)(1A) in 2013. Accessed 2026-09-28.
  3. D.C. Code §31–2502.40: License to procure policies from unauthorized companies. Council of the District of Columbia; Subsection (a): broker/agent tax and diligent effort; (c)(1)–(3): District-government procurement tax exemption, allocation statement and continuing duties. Accessed 2026-09-28.
  4. Department of Insurance, Securities and Banking. District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
  5. Verify a Financial Institution or Representative Licensed with DISB. District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
  6. Surplus Line Information. District of Columbia DISB; Current 2% tax base including incidental placement fees; fees must be necessary and separately itemized; diligent-effort rule. Accessed 2026-09-28.
  7. File a Complaint or Report Fraud. District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
  8. 15 U.S.C. §8201: Reporting, payment, and allocation of premium taxes. U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): exclusive insured home-State authority to require nonadmitted premium tax; (c): separate allocation reporting. Accessed 2026-09-28.
  9. 15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; §8205(1)-(2): admitted-market disclosure about possible availability, greater protection and oversight followed by the qualified purchaser’s written request; eligibility separately defined in §8206(5). Accessed 2026-09-28.
  10. 15 U.S.C. §8206: Definitions. U.S. House of Representatives, Office of the Law Revision Counsel; §8206(5) exempt-commercial-purchaser criteria; (6) home State and affiliated-insured rules; (13) qualified risk manager. Accessed 2026-09-28.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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