--- title: "Professional Liability (E&O) Insurance in District of Columbia" description: "See how D.C. residential disclosure law limits an expert report's scope and what to confirm for real-estate inspection or engineering work." canonical: "https://spot.insure/coverage/professional-errors-omissions/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/professional-errors-omissions/district-of-columbia) # Professional Liability (E&O) Insurance in District of Columbia In a D.C. home sale, a requested report from a licensed engineer, surveyor, home inspector, or other expert can support the seller's disclosure only for matters within that expert's license or expertise. The report must identify which disclosure items it covers; ask your broker to match insured professional services to that written scope.[^1] **Coverage:** [Professional errors and omissions (E&O)](/coverage/professional-errors-omissions) · [District of Columbia](/coverage/states/district-of-columbia) ## What Is Professional Errors And Omissions (E&O)? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [Read the national Professional errors and omissions (E&O) guide](/coverage/professional-errors-omissions). ## What to Watch for in District of Columbia ### Name the Disclosure Items An expert responding to a buyer's request may state in writing that the report is intended to fulfill the seller-disclosure chapter and must identify the items or parts it covers. Ask whether your policy's professional-services description includes those exact inspection, engineering, or survey tasks.[^1] ### Seller Knowledge Can Still Matter A third-party report does not protect a transferor who actually knows of a contradictory defect or condition and knowingly fails to disclose it. If your firm prepares a transaction report, document its information sources and boundaries rather than treating it as a replacement for seller knowledge.[^1] ### Disclosure Timing Can Affect the Sale The transferor's written disclosure is generally due before or when the buyer signs the purchase agreement. Late delivery can give the buyer a five-calendar-day termination right, subject to earlier waiver events; confirm urgent transaction work and delivery dates are within your insured workflow.[^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.[^4][^5][^7] - [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.[^6][^8][^9][^10][^3] ## Providers With Documented State Licenses These providers publish a national listing for Professional errors and omissions (E&O); 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. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction.[^11] - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** 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.[^12] - [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.[^13] - [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.[^15] - [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.[^14] - [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.[^16] - [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.[^17] ## Questions to Ask Before You Buy in District of Columbia 1. Does my policy schedule cover the report types and professional disciplines I provide for D.C. residential transfers? 2. How should I record which seller-disclosure checklist items the report addresses and which it does not? 3. Does the application identify transaction work with short delivery deadlines and services subcontracted to another expert? ## Professional Errors And Omissions (E&O) in District of Columbia: FAQ ### Can a D.C. expert's report satisfy a home seller's disclosure duty? It can support the seller's disclosure for matters within the expert's license or expertise, when the buyer requests it and the report identifies the disclosure items it addresses. It does not erase a seller's actual knowledge of contradictory conditions.[^1] ### What happens if a D.C. seller gives the disclosure statement after the buyer signs? The buyer generally has five calendar days after receipt to terminate, unless that right ends earlier through a specified event such as applying for financing or settlement.[^2] ## Professional Errors And Omissions (E&O) in Other States - [Alabama](/coverage/professional-errors-omissions/alabama) - [Alaska](/coverage/professional-errors-omissions/alaska) - [Arizona](/coverage/professional-errors-omissions/arizona) - [Arkansas](/coverage/professional-errors-omissions/arkansas) - [California](/coverage/professional-errors-omissions/california) - [Colorado](/coverage/professional-errors-omissions/colorado) - [Connecticut](/coverage/professional-errors-omissions/connecticut) - [Delaware](/coverage/professional-errors-omissions/delaware) - [Florida](/coverage/professional-errors-omissions/florida) - [Georgia](/coverage/professional-errors-omissions/georgia) - [Hawaii](/coverage/professional-errors-omissions/hawaii) - [Idaho](/coverage/professional-errors-omissions/idaho) - [Illinois](/coverage/professional-errors-omissions/illinois) - [Indiana](/coverage/professional-errors-omissions/indiana) - [Iowa](/coverage/professional-errors-omissions/iowa) - [Kansas](/coverage/professional-errors-omissions/kansas) - [Kentucky](/coverage/professional-errors-omissions/kentucky) - [Louisiana](/coverage/professional-errors-omissions/louisiana) - [Maine](/coverage/professional-errors-omissions/maine) - [Maryland](/coverage/professional-errors-omissions/maryland) - [Massachusetts](/coverage/professional-errors-omissions/massachusetts) - [Michigan](/coverage/professional-errors-omissions/michigan) - [Minnesota](/coverage/professional-errors-omissions/minnesota) - [Mississippi](/coverage/professional-errors-omissions/mississippi) - [Missouri](/coverage/professional-errors-omissions/missouri) - [Montana](/coverage/professional-errors-omissions/montana) - [Nebraska](/coverage/professional-errors-omissions/nebraska) - [Nevada](/coverage/professional-errors-omissions/nevada) - [New Hampshire](/coverage/professional-errors-omissions/new-hampshire) - [New Jersey](/coverage/professional-errors-omissions/new-jersey) - [New Mexico](/coverage/professional-errors-omissions/new-mexico) - [New York](/coverage/professional-errors-omissions/new-york) - [North Carolina](/coverage/professional-errors-omissions/north-carolina) - [North Dakota](/coverage/professional-errors-omissions/north-dakota) - [Ohio](/coverage/professional-errors-omissions/ohio) - [Oklahoma](/coverage/professional-errors-omissions/oklahoma) - [Oregon](/coverage/professional-errors-omissions/oregon) - [Pennsylvania](/coverage/professional-errors-omissions/pennsylvania) - [Rhode Island](/coverage/professional-errors-omissions/rhode-island) - [South Carolina](/coverage/professional-errors-omissions/south-carolina) - [South Dakota](/coverage/professional-errors-omissions/south-dakota) - [Tennessee](/coverage/professional-errors-omissions/tennessee) - [Texas](/coverage/professional-errors-omissions/texas) - [Utah](/coverage/professional-errors-omissions/utah) - [Vermont](/coverage/professional-errors-omissions/vermont) - [Virginia](/coverage/professional-errors-omissions/virginia) - [Washington](/coverage/professional-errors-omissions/washington) - [West Virginia](/coverage/professional-errors-omissions/west-virginia) - [Wisconsin](/coverage/professional-errors-omissions/wisconsin) - [Wyoming](/coverage/professional-errors-omissions/wyoming) [Other Coverage in District of Columbia](/coverage/states/district-of-columbia) ## Sources [^1]: [D.C. Code § 42-1303, Scope of Liability; Information Prepared by Third Party](https://code.dccouncil.gov/us/dc/council/code/sections/42-1303) — D.C. Law Library; § 42-1303(a)–(c). Accessed 2026-09-28. [^2]: [D.C. Code § 42-1302, Written Statement; Written Indication of Compliance](https://code.dccouncil.gov/us/dc/council/code/sections/42-1302) — D.C. Law Library; § 42-1302(a), (c)–(d). Accessed 2026-09-28. [^3]: [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. [^4]: [Department of Insurance, Securities and Banking](https://disb.dc.gov/) — District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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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