--- title: "Technology E&O Insurance in Vermont" description: "A civil action is generally six years, and each negligent defendant pays only its ratio of the causal negligence." canonical: "https://spot.insure/coverage/technology-errors-omissions/vermont" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/technology-errors-omissions/vermont) # Technology E&O Insurance in Vermont Vermont Statutes Annotated title 12, section 511 says a civil action, except one brought upon the judgment or decree of a court of record of the United States or of Vermont or some other state, and except as otherwise provided, shall be commenced within six years after the cause of action accrues and not thereafter. Section 1036(a) is the negligence rule: recovery is allowed when the plaintiff’s negligence was not greater than the causal negligence of the defendants, and each defendant is liable only for the proportion of the dollar award that matches that defendant’s causal negligence among the defendants against whom recovery is allowed. Subsection (b), effective April 22, 2024, prohibits comparative negligence as a defense on negligence claims relating to a sexual act under 13 V.S.A. § 3251 or sexual conduct under § 2821. A technology civil action uses six years unless a more specific statute says otherwise. A negligence injury uses the causal-negligence ratio.[^1][^2] **Coverage:** [Technology errors and omissions (E&O)](/coverage/technology-errors-omissions) · [Vermont](/coverage/states/vermont) ## What Is Technology Errors And Omissions (E&O)? Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [Read the national Technology errors and omissions (E&O) guide](/coverage/technology-errors-omissions). ## What to Watch for in Vermont ### Six years is the civil-action period, with two carved-out categories Section 511, as amended in 1959, covers a civil action. It does not cover an action on a judgment or decree of a court of record of the United States, Vermont, or another state. It also yields where the law otherwise provides. A suit to enforce an out-of-state judgment on a technology award is the carved-out category, not the six-year row. A suit on the contract itself is a civil action under this section unless another statute sets a different period.[^1] ### The action has to be commenced within six years and not thereafter The statute says not thereafter. There is no grace period in the sentence. Accrual is the starting point, and the section does not define it for a multi-year implementation. Put the contract date, the breach, and the policy’s notice deadline on one page. A claim can be inside six years and still late under the policy.[^1] ### Multiple defendants split the dollars by causal negligence, and a sexual-conduct claim is different Where recovery is allowed against more than one defendant, section 1036(a) limits each defendant to the share of the total dollar award equal to that defendant’s causal negligence divided by the causal negligence of the defendants against whom recovery is allowed. The plaintiff recovers only if the plaintiff’s negligence was not greater than the defendants’ causal total. Subsection (b) takes comparative negligence away as a defense that would limit recovery on a negligence claim relating to a sexual act or sexual conduct as those terms are defined in title 13. An ordinary systems-failure case is subsection (a), not subsection (b).[^2] ## 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 **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] ## Providers With Documented State Licenses These providers publish a national listing for Technology 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 Vermont; [check the regulator’s license lookup](https://nipr.com/licensing-center) 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.[^8] - [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.[^9] - [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.[^10] - [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.[^13] - [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.[^14] ## Questions to Ask Before You Buy in Vermont 1. Is the technology dispute a civil action under section 511, or an action on a judgment or a claim with its own period? 2. When did the cause of action accrue? 3. If more than one defendant is negligent, what share does section 1036(a) assign, and does subsection (b) apply? ## Technology Errors And Omissions (E&O) in Vermont: FAQ ### How long is a Vermont civil action on a technology contract? Section 511 says a civil action shall be commenced within six years after the cause of action accrues and not thereafter, except an action on a judgment or decree of a court of record and except as otherwise provided.[^1] ### How do multiple Vermont defendants divide a negligence award? Section 1036(a) makes each defendant liable for the proportion of the total dollar award that matches that defendant’s causal negligence among the defendants against whom recovery is allowed. The plaintiff must not have been more negligent than the defendants’ combined causal negligence.[^2] ## Technology Errors And Omissions (E&O) in Other States - [Alabama](/coverage/technology-errors-omissions/alabama) - [Alaska](/coverage/technology-errors-omissions/alaska) - [Arizona](/coverage/technology-errors-omissions/arizona) - [Arkansas](/coverage/technology-errors-omissions/arkansas) - [California](/coverage/technology-errors-omissions/california) - [Colorado](/coverage/technology-errors-omissions/colorado) - [Connecticut](/coverage/technology-errors-omissions/connecticut) - [Delaware](/coverage/technology-errors-omissions/delaware) - [District of Columbia](/coverage/technology-errors-omissions/district-of-columbia) - [Florida](/coverage/technology-errors-omissions/florida) - [Georgia](/coverage/technology-errors-omissions/georgia) - [Hawaii](/coverage/technology-errors-omissions/hawaii) - [Idaho](/coverage/technology-errors-omissions/idaho) - [Illinois](/coverage/technology-errors-omissions/illinois) - [Indiana](/coverage/technology-errors-omissions/indiana) - [Iowa](/coverage/technology-errors-omissions/iowa) - [Kansas](/coverage/technology-errors-omissions/kansas) - [Kentucky](/coverage/technology-errors-omissions/kentucky) - [Louisiana](/coverage/technology-errors-omissions/louisiana) - [Maine](/coverage/technology-errors-omissions/maine) - [Maryland](/coverage/technology-errors-omissions/maryland) - [Massachusetts](/coverage/technology-errors-omissions/massachusetts) - [Michigan](/coverage/technology-errors-omissions/michigan) - [Minnesota](/coverage/technology-errors-omissions/minnesota) - [Missouri](/coverage/technology-errors-omissions/missouri) - [Montana](/coverage/technology-errors-omissions/montana) - [Nebraska](/coverage/technology-errors-omissions/nebraska) - [Nevada](/coverage/technology-errors-omissions/nevada) - [North Carolina](/coverage/technology-errors-omissions/north-carolina) - [Ohio](/coverage/technology-errors-omissions/ohio) - [Oregon](/coverage/technology-errors-omissions/oregon) - [Rhode Island](/coverage/technology-errors-omissions/rhode-island) - [South Carolina](/coverage/technology-errors-omissions/south-carolina) - [South Dakota](/coverage/technology-errors-omissions/south-dakota) - [Texas](/coverage/technology-errors-omissions/texas) - [Virginia](/coverage/technology-errors-omissions/virginia) - [Washington](/coverage/technology-errors-omissions/washington) - [West Virginia](/coverage/technology-errors-omissions/west-virginia) - [Wisconsin](/coverage/technology-errors-omissions/wisconsin) [Other Coverage in Vermont](/coverage/states/vermont) ## Sources [^1]: [12 V.S.A. § 511, Civil action](https://legislature.vermont.gov/statutes/section/12/023/00511) — Vermont General Assembly; Six years after accrual, except actions on a judgment or decree of a court of record and except as otherwise provided. Accessed 2026-09-29. [^2]: [12 V.S.A. § 1036, Comparative negligence](https://legislature.vermont.gov/statutes/section/12/027/01036) — Vermont General Assembly; Subsection (a) allocates each defendant’s share by causal negligence; subsection (b), effective April 22, 2024, bars the defense on specified sexual-conduct claims. 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](/editorial-policy). 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