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Fiduciary Liability Insurance in District of Columbia

D.C. continuation law applies to an employer's defined health-benefits plans, which include insurance contracts, MEWAs and other benefit arrangements subject to listed exclusions. Eligible employees and dependents generally get three months under § 32-732, and the employer's notice is due within 15 days after coverage would otherwise end. 1,2,3

What Is Fiduciary Liability?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. Read the national Fiduciary liability guide.

What to Watch for in District of Columbia

  • Check The Plan Definition And Exclusions

    D.C. § 32-731 includes accident-and-health policies, hospital or medical-service contracts, HMO contracts, MEWAs and plans provided by another benefit arrangement; it also excludes specified limited-benefit, Medicare, federal-employee and other coverage. Map the actual arrangement to that definition before assigning the D.C. notice task. 1

  • Plan For The Three-Month Window

    Section 32-732 generally gives an employee and covered dependents three months of continuation, unless gross misconduct, federal COBRA extension, or late election/payment bars the right. The employee's cost cannot exceed 102% of the group rate; confirm who quotes and collects that amount. 2

  • A Missed Notice Does Not Add Time

    The employer's written notice is due no later than 15 days after coverage would otherwise terminate, and the employer must forward an applicant's name to the health insurer within 15 days of application. A missed notice does not extend continuation, so assign both handoffs and retain dated proof. 2

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. 5,6,8

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. 7,9,10,11,4

Providers With Documented State Licenses

These providers publish a national listing for Fiduciary liability; 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. 13
  • 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. 14

Questions to Ask Before You Buy in District of Columbia

  1. Does our D.C. plan fit § 32-731's definition, including its exclusions for limited-benefit, Medicare and federal-employee coverage?
  2. Who sends the written notice within 15 days after coverage would otherwise end, and who forwards each application to the insurer within 15 days?
  3. Who checks the three-month period, federal COBRA exception, election/payment deadlines and 102% premium ceiling?
  4. Does the fiduciary submission identify the actual plan, sponsor and discretionary administrators instead of treating every D.C. benefit arrangement alike?

Fiduciary Liability in District of Columbia: FAQ

How long is continuation coverage under D.C. Code § 32-732? 2

Three months for an eligible employee and covered dependents, unless the employee was terminated for gross misconduct, qualifies for federal COBRA extension, or misses the required election or payment. The employer's written notice is due within 15 days after coverage would otherwise end. 2

Does D.C. continuation apply only to insured health policies? 1

No. Section 32-731 also includes HMO and hospital-service contracts, MEWAs and plans provided by another benefit arrangement, subject to the section's exclusions. Check the exact arrangement and exclusions rather than assuming every self-funded plan is covered. 1

Fiduciary Liability in Other States

Other Coverage in District of Columbia

Sources

  1. D.C. Code § 32-731 — Definitions. D.C. Council Law Library; § 32-731(3): health-benefits-plan classes and exclusions; § 32-731(2), (4): covered individual and health insurer. Accessed 2026-09-28.
  2. D.C. Code § 32-732 — Continuation of Coverage. D.C. Council Law Library; § 32-732(a)–(k): period, gross-misconduct/federal-COBRA exceptions, employer notice and application deadlines, cost cap and termination rules. Accessed 2026-09-28.
  3. Code of the District of Columbia — Publication Information. D.C. Council Law Library; Current-through statement identifies Sept. 5, 2026 and last codified D.C. Law 26-177 effective Sept. 5, 2026; § 32-731 amendment history displayed through 2004 and § 32-732 through 2010. Accessed 2026-09-28.
  4. 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.
  5. Department of Insurance, Securities and Banking. District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
  6. Verify a Financial Institution or Representative Licensed with DISB. District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28.
  7. 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.
  8. File a Complaint or Report Fraud. District of Columbia DISB; Official insurance complaint information and filing form. Accessed 2026-09-28.
  9. 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.
  10. 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.
  11. 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.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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