--- title: "Media Liability Coverage in Vermont" description: "Vermont gives three years for libel and slander. For speech or petition connected to a public issue, a defendant may file a special motion to strike within 60 days after the c" canonical: "https://spot.insure/coverage/media/vermont" page-type: "coverage-state-guide" updated-at: "2026-09-29" coverage-line: "media" state: "vermont" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/media/vermont) ## Agent Guide **What this page is:** Media guide for Vermont: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering media questions specific to Vermont. For the general concept, use /coverage/media; for other coverage in Vermont, use /coverage/states/vermont. **Questions this page answers:** - Do I need media in Vermont? - What are Vermont's media requirements? - Who regulates insurance in Vermont? - Which providers hold Vermont licenses for media? **Key facts:** - State regulator: Vermont Department of Financial Regulation. - Reported surplus-lines tax rate: 3% - 2 providers listed with Vermont license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 14 numbered sources with access dates; updated 2026-09-29. **Related pages:** - [Media (national guide)](https://spot.insure/coverage/media) — national concept guide - [Business insurance in Vermont](https://spot.insure/coverage/states/vermont) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [Coalition](https://spot.insure/insurance-providers/coalition) — provider with state license record - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record # Media Liability Coverage in Vermont Vermont gives three years for libel and slander. For speech or petition connected to a public issue, a defendant may file a special motion to strike within 60 days after the complaint; the opposing party has 15 days to respond, making early claim routing important.[^1][^2] **Coverage:** [Media liability](https://spot.insure/coverage/media) · [Vermont](https://spot.insure/coverage/states/vermont) ## What Is Media Liability Insurance? Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity. [Read the national Media liability guide](https://spot.insure/coverage/media). ## What Should You Watch for With Media Liability Insurance in Vermont? ### Calendar the three-year Vermont period Title 12, § 512(3) gives three years after accrual for slander and libel. Keep the initial publication date and subsequent versions in the claim file and report the demand promptly rather than waiting for suit.[^1] ### Refer a public-issue complaint quickly Section 1041 allows a special motion to strike for qualifying public-issue speech or petition. It must be filed and served no more than 60 days after the complaint, and the response is due within 15 days after service of the motion.[^2] ### Budget for early motion deadlines The Vermont motion schedule starts at complaint filing, not at the next renewal or ordinary claim review. Ask the insurer to assign counsel and confirm defense-cost treatment as soon as service occurs.[^2][^1] ## 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] - [Regulator website](https://dfr.vermont.gov/insurance) - [License lookup](https://nipr.com/licensing-center) - [File a complaint](https://content.naic.org/state-insurance-departments) ### Surplus-Lines Tax and Stamping Office in Vermont **Reported tax rate:** 3% of premium 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.[^6][^7] ## Which Media Liability Providers Have Vermont License Records? These providers publish a national listing for Media liability; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Vermont; [check the regulator’s license lookup](https://nipr.com/licensing-center) and confirm state availability for your business when requesting a quote. - [Coalition](https://spot.insure/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Covers:** 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] **Coverage membership:** Coalition identifies media liability within its Active Cyber policy. - [Corgi](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** 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] **Coverage membership:** Corgi lists media liability insurance among its coverage offerings. ## Questions to Ask Before You Buy Media Liability in Vermont 1. When did the Vermont statement accrue under § 512? 2. Does the complaint concern public-issue speech or petition and support a § 1041 motion? 3. Who will calendar the 60-day filing and 15-day response periods after service? ## Media Liability Insurance in Vermont: Frequently Asked Questions ### What is Vermont’s defamation deadline? Slander and libel actions must be commenced within three years after accrual under § 512(3).[^1] ### How quickly must Vermont’s special motion to strike be filed? For a qualifying public-issue speech or petition claim, § 1041 requires filing and service within 60 days after the complaint; a response is due within 15 days after the motion is served.[^2] ## Media Liability Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/media/alabama) - [Alaska](https://spot.insure/coverage/media/alaska) - [Arizona](https://spot.insure/coverage/media/arizona) - [Arkansas](https://spot.insure/coverage/media/arkansas) - [California](https://spot.insure/coverage/media/california) - [Colorado](https://spot.insure/coverage/media/colorado) - [Connecticut](https://spot.insure/coverage/media/connecticut) - [Delaware](https://spot.insure/coverage/media/delaware) - [District of Columbia](https://spot.insure/coverage/media/district-of-columbia) - [Florida](https://spot.insure/coverage/media/florida) - [Georgia](https://spot.insure/coverage/media/georgia) - [Hawaii](https://spot.insure/coverage/media/hawaii) - [Idaho](https://spot.insure/coverage/media/idaho) - [Illinois](https://spot.insure/coverage/media/illinois) - [Indiana](https://spot.insure/coverage/media/indiana) - [Iowa](https://spot.insure/coverage/media/iowa) - [Kansas](https://spot.insure/coverage/media/kansas) - [Kentucky](https://spot.insure/coverage/media/kentucky) - [Louisiana](https://spot.insure/coverage/media/louisiana) - [Maine](https://spot.insure/coverage/media/maine) - [Maryland](https://spot.insure/coverage/media/maryland) - [Massachusetts](https://spot.insure/coverage/media/massachusetts) - [Michigan](https://spot.insure/coverage/media/michigan) - [Minnesota](https://spot.insure/coverage/media/minnesota) - [Mississippi](https://spot.insure/coverage/media/mississippi) - [Missouri](https://spot.insure/coverage/media/missouri) - [Montana](https://spot.insure/coverage/media/montana) - [Nebraska](https://spot.insure/coverage/media/nebraska) - [Nevada](https://spot.insure/coverage/media/nevada) - [New Hampshire](https://spot.insure/coverage/media/new-hampshire) - [New Jersey](https://spot.insure/coverage/media/new-jersey) - [New Mexico](https://spot.insure/coverage/media/new-mexico) - [New York](https://spot.insure/coverage/media/new-york) - [North Carolina](https://spot.insure/coverage/media/north-carolina) - [North Dakota](https://spot.insure/coverage/media/north-dakota) - [Ohio](https://spot.insure/coverage/media/ohio) - [Oklahoma](https://spot.insure/coverage/media/oklahoma) - [Oregon](https://spot.insure/coverage/media/oregon) - [Pennsylvania](https://spot.insure/coverage/media/pennsylvania) - [Rhode Island](https://spot.insure/coverage/media/rhode-island) - [South Carolina](https://spot.insure/coverage/media/south-carolina) - [South Dakota](https://spot.insure/coverage/media/south-dakota) - [Tennessee](https://spot.insure/coverage/media/tennessee) - [Texas](https://spot.insure/coverage/media/texas) - [Utah](https://spot.insure/coverage/media/utah) - [Virginia](https://spot.insure/coverage/media/virginia) - [Washington](https://spot.insure/coverage/media/washington) - [West Virginia](https://spot.insure/coverage/media/west-virginia) - [Wisconsin](https://spot.insure/coverage/media/wisconsin) - [Wyoming](https://spot.insure/coverage/media/wyoming) [Other Coverage in Vermont](https://spot.insure/coverage/states/vermont) ## Sources for Media Liability Insurance in Vermont [^1]: [Vermont Statutes, tit. 12, § 512 — Three-Year Limitation](https://legislature.vermont.gov/statutes/section/12/023/00512) — Vermont General Assembly; Subdivision (3): slander and libel actions within three years after accrual. Accessed 2026-09-29. [^2]: [Vermont Statutes, tit. 12, § 1041 — Special Motion to Strike](https://legislature.vermont.gov/statutes/section/12/027/01041) — Vermont General Assembly; Special motion for public-issue speech or petition must be filed and served no more than 60 days after complaint; response due within 15 days. Accessed 2026-09-29. [^3]: [Vermont Department of Financial Regulation](https://dfr.vermont.gov/insurance) — Vermont Department of Financial Regulation; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^4]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Vermont Department of Financial Regulation entry; official contact and website listing. Accessed 2026-09-28. [^5]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^6]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; VT row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^7]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — 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](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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/media/vermont.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)