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. All insurance policies sold in Vermont are reviewed and approved by the Insurance Division to ensure they provide protections mandated by Vermont law. The Division conducts annual and periodic audits of health insurance plans to ensure compliance with Vermont regulations.   

Deputy Commissioner Emily Brown

As Deputy Commissioner of the Insurance Division of the Vermont Department of Financial Regulation, Deputy Commissioner Emily Brown directs the largest Department division.

Governor Phil Scott announced her appointment as Deputy Commissioner of Insurance in July 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. 

Regulatory Oversight

Regulation of the insurance industry in Vermont and protection of the public in these general areas:

• Solvency Laws | insurance companies must operate in a fiscally responsible manner; so, after taking their customers' money (premiums), they can be counted on to pay claims down the road.
• Consumer Protection Laws | companies must sell legal insurance products through licensed producers, treat consumers fairly, and pay claims in a timely manner. 
• Health Insurance Laws | consumers must be afforded full disclosure of information, a full and fair review of a grievance, and health plans acquired by them must meet quality and access standards for care.
• The No Surprises Act | protects consumers with most types of private health insurance coverage against certain surprise medical bills.

Insurance Studies, Reports, Lists

• Insurance Information by Type
• Legislative Reports
• List of Insurance Licensees (Agency and Producers)
• Medical Malpractice Issues and Insurance Study
• NAIC Life Policy Locator (help locating life insurance policies and annuity contracts of a deceased family member or close relationship)
• Vermont Mandatory Reporting (Liquor Liability Report)