--- title: "General Liability Insurance in District of Columbia" description: "D.C. claims against the District require written notice within six months, and construction-improvement injuries have a separate ten-year repose rule." canonical: "https://spot.insure/coverage/general-liability/district-of-columbia" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/general-liability/district-of-columbia) # General Liability Insurance in District of Columbia A claimant seeking unliquidated personal or property damages from the District generally must give the Mayor written notice within six months, describing the approximate time, place, cause, and circumstances. D.C. also imposes a ten-year outside limit on specified injury claims arising from defective or unsafe improvements, subject to statutory exceptions.[^2][^3] **Coverage:** [General liability](/coverage/general-liability) · [District of Columbia](/coverage/states/district-of-columbia) ## What Is General Liability? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [Read the national General liability guide](/coverage/general-liability). ## What to Watch for in District of Columbia ### District Claims Need Early Written Notice D.C. Code §12-309 generally requires written notice within six months for unliquidated personal or property damage claims against the District; it must identify approximate time, place, cause, and circumstances. A regular-course MPD report is sufficient, and two statutory claim categories are excepted. If a city agency or District location is involved, ask counsel to calendar notice immediately.[^2] ### Construction Claims Have a Separate Outside Limit Section 12-310 applies a ten-year period to specified personal injury, property damage, wrongful-death, contribution, and indemnity actions arising from defective or unsafe real-property improvements. It excludes contract actions, claims against owners/actual possessors or controllers, manufacturers/suppliers, and the District government; ask whether the claim fits this narrow category.[^3] ### Property Claim Period Depends on the Claim Section 12-301 generally lists three years for real or personal property damage and for actions without another special period, but one year for specified intentional torts. Ask counsel to classify the asserted claim rather than assuming one D.C. deadline covers every GL loss.[^1] ### Identify the Defendant Before Setting Dates The six-month notice rule applies to claims against the District of Columbia, not automatically to every private business operating in D.C. Ask whether the named defendant is the District and whether an exception applies before relying on §12-309.[^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] - [Regulator website](https://disb.dc.gov/) - [License lookup](https://disb.dc.gov/service/verify-financial-institution-or-representative-licensed-disb) - [File a complaint](https://disb.dc.gov/service/file-complaint-or-report-fraud) - Phone: (202) 727-8000 ### 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 General 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 that the product is available in District of Columbia; [check the regulator’s license lookup](https://disb.dc.gov/service/verify-financial-institution-or-representative-licensed-disb) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^14] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^16] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** 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.[^15] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^17] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^18] ## Questions to Ask Before You Buy in District of Columbia 1. Is the proposed defendant the District of Columbia, and who will deliver the §12-309 notice within six months? 2. Does the alleged injury come from a defective improvement to real property, and does an exception to §12-310 apply? 3. Which limitation category in §12-301 fits the pleaded injury and property damage? ## General Liability in District of Columbia: FAQ ### How long do I have to notify the District about an injury claim? Generally six months after injury or damage under D.C. Code §12-309. Written notice must state the approximate time, place, cause, and circumstances; a regular-course MPD report is sufficient.[^2] ### Does D.C. have a time limit for claims involving unsafe construction? Yes. Section 12-310 generally bars specified injury, property, death, contribution, or indemnity actions unless the injury occurs within ten years after substantial completion, subject to exceptions for contract claims, owners/actual possessors, manufacturers/suppliers, and District-government actions.[^3] ## General Liability in Other States - [Alabama](/coverage/general-liability/alabama) - [Alaska](/coverage/general-liability/alaska) - [Arizona](/coverage/general-liability/arizona) - [Arkansas](/coverage/general-liability/arkansas) - [California](/coverage/general-liability/california) - [Colorado](/coverage/general-liability/colorado) - [Connecticut](/coverage/general-liability/connecticut) - [Delaware](/coverage/general-liability/delaware) - [Florida](/coverage/general-liability/florida) - [Georgia](/coverage/general-liability/georgia) - [Hawaii](/coverage/general-liability/hawaii) - [Idaho](/coverage/general-liability/idaho) - [Illinois](/coverage/general-liability/illinois) - [Indiana](/coverage/general-liability/indiana) - [Iowa](/coverage/general-liability/iowa) - [Kansas](/coverage/general-liability/kansas) - [Kentucky](/coverage/general-liability/kentucky) - [Louisiana](/coverage/general-liability/louisiana) - [Maine](/coverage/general-liability/maine) - [Maryland](/coverage/general-liability/maryland) - [Massachusetts](/coverage/general-liability/massachusetts) - [Michigan](/coverage/general-liability/michigan) - [Minnesota](/coverage/general-liability/minnesota) - [Mississippi](/coverage/general-liability/mississippi) - [Missouri](/coverage/general-liability/missouri) - [Montana](/coverage/general-liability/montana) - [Nebraska](/coverage/general-liability/nebraska) - [Nevada](/coverage/general-liability/nevada) - [New Hampshire](/coverage/general-liability/new-hampshire) - [New Jersey](/coverage/general-liability/new-jersey) - [New Mexico](/coverage/general-liability/new-mexico) - [New York](/coverage/general-liability/new-york) - [North Carolina](/coverage/general-liability/north-carolina) - [North Dakota](/coverage/general-liability/north-dakota) - [Ohio](/coverage/general-liability/ohio) - [Oklahoma](/coverage/general-liability/oklahoma) - [Oregon](/coverage/general-liability/oregon) - [Pennsylvania](/coverage/general-liability/pennsylvania) - [Rhode Island](/coverage/general-liability/rhode-island) - [South Carolina](/coverage/general-liability/south-carolina) - [South Dakota](/coverage/general-liability/south-dakota) - [Tennessee](/coverage/general-liability/tennessee) - [Texas](/coverage/general-liability/texas) - [Utah](/coverage/general-liability/utah) - [Vermont](/coverage/general-liability/vermont) - [Virginia](/coverage/general-liability/virginia) - [Washington](/coverage/general-liability/washington) - [West Virginia](/coverage/general-liability/west-virginia) - [Wisconsin](/coverage/general-liability/wisconsin) - [Wyoming](/coverage/general-liability/wyoming) [Other Coverage in District of Columbia](/coverage/states/district-of-columbia) ## Sources [^1]: [D.C. Code, Chapter 3, Limitation of Actions](https://code.dccouncil.gov/us/dc/council/code/titles/12/chapters/3/index.full.html) — D.C. Law Library; §12-301(a)(2)–(4),(8); amendment/application history through D.C. Law 22-311 (2019). Accessed 2026-09-28. [^2]: [D.C. Code §12-309, Actions against District of Columbia](https://code.dccouncil.gov/us/dc/council/code/sections/12-309) — D.C. Law Library; §12-309(a)–(b); latest listed amendment D.C. Law 20-266 (2015). Accessed 2026-09-28. [^3]: [D.C. Code §12-310, Defective or unsafe improvements](https://code.dccouncil.gov/us/dc/council/code/sections/12-310) — D.C. Law Library; §12-310(a)(1)–(2), (b)(1)–(4). Accessed 2026-09-28. [^4]: [D.C. Code §31–2502.40: License to procure policies from unauthorized companies](https://code.dccouncil.gov/us/dc/council/code/sections/31-2502.40) — 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](https://disb.dc.gov/) — District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28. [^6]: [Verify a Financial Institution or Representative Licensed with DISB](https://disb.dc.gov/service/verify-financial-institution-or-representative-licensed-disb) — District of Columbia DISB; Official license verification for companies and representatives. Accessed 2026-09-28. [^7]: [Surplus Line Information](https://disb.dc.gov/page/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](https://disb.dc.gov/service/file-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](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8201) — 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](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8205) — 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](https://uscode.house.gov/view.xhtml?edition=prelim&num=0&req=granuleid%3AUSC-prelim-title15-section8206) — 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](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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](https://www.corgi.insure/broker-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](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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