Vermont Medical Malpractice Insurance Guide

Vermont generally allows three years from the incident or two years after discovery, whichever is later, subject to a seven-year outer limit and stated exceptions. Claims-made buyers should compare those dates with the retroactive date and extended reporting terms; Vermont’s public physician profiles also require context for paid claims.

What Is Medical Malpractice Insurance?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. Read the national Medical malpractice guide.

What to Watch for With Medical Malpractice in Vermont

The outer limit still extends beyond a short policy term
Vermont’s general rule uses the later of three years from the incident or two years from discovery, capped at seven years from the incident, with fraudulent-concealment and foreign-object exceptions. Confirm the claims-made retroactive date and what tail or prior-acts protection applies when coverage ends. ¹
The profile statute is specifically about health professionals
The public paid-claim disclosure rule appears in the medicine chapter and covers physician profiles; it should not be assumed to describe every allied-health profession’s disclosure rules. For a physician, compare only the required ten-year data and consider specialty and years in practice. ²
A payment is not a finding of fault
Vermont requires settlement data to be accompanied by an explanation that settlements can occur for reasons unrelated to competence or whether malpractice occurred. Treat profile information as a starting point, not a liability determination. ²
The incident and payment dates can differ
The statute calls for a ten-year window of paid judgments, awards and settlements and explains that the underlying incident may have happened years before payment. A profile history is not the same as a current open-claim report. ²

Which Medical Malpractice Providers Have Vermont License Records?

These providers publish a national listing for Medical malpractice; 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 the product is available in Vermont. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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 markets medical malpractice insurance for health care professionals and organizations.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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 arranges medical malpractice insurance for health care and life sciences businesses.

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 Medical Malpractice in Vermont

What retroactive date reaches the earliest care date, and who pays for tail or prior-acts protection when the policy terminates?
Does the policy cover all clinicians, locations, specialties and employed or independent practice entities involved in Vermont care?
When reviewing a Vermont physician profile, what specialty comparison, practice history and settlement context are shown?

Medical Malpractice Insurance in Vermont: Frequently Asked Questions

Does Vermont’s general malpractice period stop at seven years in every case?

The statute states a seven-year outer limit for the general rule, but it separately addresses fraudulent concealment and foreign objects; those exceptions can change the timeline. ¹

Does a Vermont paid settlement prove that malpractice occurred?

No. Vermont’s required profile disclaimer says a settlement should not be treated as creating a presumption that malpractice occurred. ²

Sources for Medical Malpractice Insurance in Vermont

1
12 V.S.A. §521, Medical malpractice. Vermont General Assembly; Full text, current through 2025 session: three-year incident period, two-year discovery period, seven-year outer limit, fraudulent-concealment and foreign-object exceptions. Accessed 2026-09-28.
2
26 V.S.A. Chapter 23, Medicine. Vermont General Assembly; §1354(a)(6)(A)-(C): ten-year paid malpractice judgments, arbitration awards and settlements; context and settlement disclaimer. 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.

Vermont Medical Malpractice Insurance Guide

What Is Medical Malpractice Insurance?

What to Watch for With Medical Malpractice in Vermont

The outer limit still extends beyond a short policy term

The profile statute is specifically about health professionals

A payment is not a finding of fault

The incident and payment dates can differ

Which Medical Malpractice Providers Have Vermont License Records?

Corgi

Vouch