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Insurance

The Insurance Division aims to maintain affordability and availability of insurance for Vermonters while certifying that insurers can meet their contractual obligations; it ensures reasonable and orderly competition within the industry and protects Vermont consumers against unfair and unlawful business practices. 

Deputy Commissioner Emily Brown

Deputy Commissioner Emily BrownGovernor Phil Scott announced the appointment of Emily Brown as Deputy Commissioner of Insurance in July of 2022.  Deputy Commissioner Brown previously served as the Director of Insurance Regulation at DFR, focusing on health care policy and insurance coverage issues. Ms. Brown led analysis resulting in the addition of hearing aid benefits to the Qualified Health Plans in Vermont and currently leads several initiatives examining the health insurance industry throughout the state. Before joining the Department, she clerked at the Office of Legislative Council and continues to serve as a subject matter expert for health insurance legislation. Ms. Brown received a bachelor’s degree in political science from New York University and a Juris Doctor from Vermont Law School. She lives in Moretown with her husband and two daughters.

 

Consumer Inquiries
802-828-3302 or 800-964-1784
dfr.insuranceinfo@vermont.gov		 Insurance Company Licensing
802-828-2470
dfr.complic@vermont.gov		 Insurance Producer Licensing
802-828-3303
dfr.producerlicensing@vermont.gov

 

 

 

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Insurance

Regulatory Oversight

The Insurance Division regulates the insurance industry in Vermont and protects the public in these general areas:

  • Solvency laws require insurance companies to operate in a fiscally responsible manner so that, after taking their customers' money (premiums), they can be counted on to pay claims down the road.
  • Consumer protection laws require companies to sell legal insurance products through licensed producers, treat consumers fairly, and pay claims in a timely manner. 
  • Health insurance laws require that consumers are afforded full disclosure of information, a full and fair review of a grievance and that health plans meet quality and access standards for care.
  • Health insurance plans are audited annually and periodically by the Insurance Division for compliance with Vermont regulations.          
  • All insurance policies sold in Vermont are reviewed and approved by the Insurance Division to ensure that they provide the protections required by Vermont law.

Insurance Reports

Other Reports