---
title: "Business Insurance in District of Columbia"
description: "39 state-specific insurance coverage guides, plus District of Columbia Department of Insurance, Securities and Banking contact and license lookup resources for District of Columbia."
canonical: "https://spot.insure/coverage/states/district-of-columbia"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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# Business Insurance in District of Columbia

## Insurance Regulator

**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.[^2][^3][^5]

- [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.[^4][^6][^7][^8][^1]

## Coverage Guides

- [General Liability Insurance in District of Columbia](/coverage/general-liability/district-of-columbia): D.C. claims against the District require written notice within six months, and construction-improvement injuries have a separate ten-year repose rule.
- [Directors and Officers (D&O) Insurance in the District of Columbia](/coverage/directors-officers/district-of-columbia): Check D.C. articles, indemnification standards, and claim-specific restrictions against the insured corporation’s documents.
- [Technology E&O in the District of Columbia](/coverage/technology-errors-omissions/district-of-columbia): D.C.’s Consumer Protection Procedures Act covers listed service representations, but its statutory buyer definitions make the customer’s use and role important.
- [Cyber Liability Insurance in the District of Columbia](/coverage/cyber/district-of-columbia): D.C. uses prompt resident notice with three distinct breach exclusions; a maintainer of another party’s data must alert its owner or licensee.
- [Media Liability Coverage in the District of Columbia](/coverage/media/district-of-columbia): The District has a one-year libel and slander filing period and a special motion procedure that includes a route to challenge discovery seeking identifying information.
- [Employment practices liability in the District of Columbia](/coverage/employment-practices/district-of-columbia): D.C. law includes unpaid interns and many independent contractors and covers distinctive workplace traits. Ordinary OHR complaints generally have a one-year deadline; D.C. government employees use a separate counselor route.
- [Fiduciary Liability Insurance in District of Columbia](/coverage/fiduciary/district-of-columbia): Review the District’s short continuation period and employer notice duty as part of your fiduciary-liability planning.
- [District of Columbia Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/district-of-columbia): Current D.C. auto insurance requirements and the rental-coverage priority rule scheduled to apply October 1, 2027.
- [Professional Liability (E&O) Insurance in District of Columbia](/coverage/professional-errors-omissions/district-of-columbia): See how D.C. residential disclosure law limits an expert report's scope and what to confirm for real-estate inspection or engineering work.
- [Workers’ Compensation Insurance in District of Columbia](/coverage/workers-compensation/district-of-columbia): Check DC’s work-location rules, subcontractor responsibility, and the permitted ways to secure workers’ compensation.
- [D.C. BOP insurance: compare urban flood and business-income protection](/coverage/business-owners-policy/district-of-columbia): Compare D.C. BOP property, liability and income terms with street-level stormwater, river and storm-surge flood exposures.
- [DC umbrella and excess liability: match the contractor license class](/coverage/umbrella-excess/district-of-columbia): For District of Columbia general contractors and construction managers selecting a license class or bidding District work.
- [Medical malpractice insurance in the District of Columbia](/coverage/medical-malpractice/district-of-columbia): The District’s malpractice-insurer protections and Board reporting rules shape coverage administration for local clinicians and entities.
- [Representations and Warranties Insurance in District of Columbia](/coverage/representations-warranties/district-of-columbia): Review D.C.’s asset-sale vote threshold, merger successor rules, and the three-year statutory periods relevant to contract and seller-recourse planning.
- [Kidnap and Ransom Insurance in District of Columbia](/coverage/kidnap-ransom/district-of-columbia): See how District of Columbia's surplus-lines rules, disclosures, and placement options affect a business buying kidnap and ransom coverage.
- [District of Columbia crime insurance guide](/coverage/crime/district-of-columbia): Crime insurance considerations for District businesses, including money transmitters and title insurance producers.
- [Commercial Auto Insurance in District of Columbia](/coverage/commercial-auto/district-of-columbia): Check D.C.’s liability and uninsured-motorist minimums, registration-period continuity, and recognized insurance methods for visiting fleet vehicles.
- [Cargo and Transit Insurance in District of Columbia](/coverage/cargo-transit/district-of-columbia): Separate D.C. carrier-liability contract limits and a mover's cargo policy from any policy covering your business's own shipment.
- [Liquor Liability in the District of Columbia](/coverage/liquor-liability/district-of-columbia): The District provides a statutory claim for knowing service to an underage or intoxicated person, with specific causation, timing, and off-premises limits.
- [Key Person Insurance in District of Columbia](/coverage/key-person/district-of-columbia): Learn how District of Columbia insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product Liability in the District of Columbia](/coverage/product-liability/district-of-columbia): Qualifying D.C. improvement claims require injury within ten years after substantial completion; for death-based actions, either death or the injury causing death must occur in that window.
- [Commercial Property Insurance in District of Columbia](/coverage/commercial-property/district-of-columbia): DC’s insurance regulator says standard commercial package and business-owner policies typically exclude flood, including hurricane storm surge; a standard NFIP business policy does not include business-interruption coverage.
- [District of Columbia garage liability for motor vehicle dealers](/coverage/garage-liability/district-of-columbia): A guide for DC dealerships linking dealer-tag count, annual registration renewal, and continuous insurance proof to separate questions about road use and customer vehicles.
- [Inland Marine Insurance in the District of Columbia](/coverage/inland-marine/district-of-columbia): DISB specifically contrasts business-address property with movable equipment and materials, using floor-cleaning machines as an inland-marine example for service businesses working at customer sites.
- [District of Columbia Public Construction Bonds](/coverage/surety-bonds/district-of-columbia): D.C. public-construction bonding rules turn on which contracting authority and statute govern the project.
- [District of Columbia Builders Risk Insurance](/coverage/builders-risk/district-of-columbia): For District projects, combine current flood-zone permits with the insurance terms in the specific construction contract.
- [Equipment Breakdown Insurance in the District of Columbia](/coverage/equipment-breakdown/district-of-columbia): The District requires annual inspection and a displayed certificate for regulated boilers and unfired pressure vessels; an insurer’s inspection can substitute only under the statute’s licensing, approval and reporting conditions.
- [D.C. management-liability coverage for contractors, interns, and nonprofit boards](/coverage/management-liability/district-of-columbia): D.C.’s human-rights definitions reach beyond standard payroll employees, and its nonprofit corporation statute gives boards a separate D&O planning route for requested outside and plan service.
- [Product Recall Insurance in District of Columbia](/coverage/product-recall/district-of-columbia): D.C. can embargo or destroy unsafe food without prior notice; compare regulator-order triggers, inventory holds, and disposal costs.
- [D.C. Fidelity Bonds for Title Insurance Producers](/coverage/fidelity-bonds/district-of-columbia): D.C. title producer entities should confirm the $200,000 fidelity requirement and the no-employee exemption separately from surety coverage.
- [Intellectual Property Insurance in District of Columbia](/coverage/intellectual-property/district-of-columbia): Learn how District Of Columbia law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Contract Frustration Insurance in the District of Columbia](/coverage/contract-frustration/district-of-columbia): How to check whether a contract-frustration policy falls within the District's financial-guaranty exception to guaranty-association coverage.
- [Last-mile delivery insurance in the District of Columbia](/coverage/last-mile-delivery/district-of-columbia): If a company dispatches for-hire deliveries in DC, reconcile its operator and vehicle registry with auto and cargo documents; the District's delivery law is separate from passenger rideshare rules.
- [Venture Capital Asset Protection Insurance in District of Columbia](/coverage/venture-capital-asset-protection/district-of-columbia): Check how District of Columbia adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in the District of Columbia](/coverage/digital-assets/district-of-columbia): Coverage questions for D.C. crypto kiosks, exchanges, and businesses that facilitate customer transfers.
- [Telehealth Insurance in the District of Columbia](/coverage/virtual-care-telehealth/district-of-columbia): DC applies in-person professional standards to telehealth and limits when an unlicensed out-of-state clinician can treat a patient located in the District.
- [Generative AI liability insurance in the District of Columbia](/coverage/generative-ai-liability/district-of-columbia): D.C.’s 2025 intimate-image law creates a narrow civil claim for harmful, nonconsensual disclosure; ask how the proposed form treats synthetic depictions and platform roles.
- [Employee Health Benefits in District of Columbia](/coverage/employee-health-benefits/district-of-columbia): State-specific enrollment and continuation rules help employers in District of Columbia compare group plans and employee transitions.
- [Trucking Insurance in District of Columbia](/coverage/trucking/district-of-columbia): Check DC's continuous registered-vehicle insurance minimums and the additional insurance step for trucks with DC-based apportioned registration.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [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.
[^2]: [Department of Insurance, Securities and Banking](https://disb.dc.gov/) — District of Columbia DISB; Official insurance regulator homepage. Accessed 2026-09-28.
[^3]: [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.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.
[^14]: [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.
[^15]: [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.

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