Getting an insurance license in Vermont
Vermont licenses through the Vermont Department of Financial Regulation, which calls the licensee a producer. Which license you need depends on what you intend to sell, and the requirements differ sharply between them.
License types
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Accident and Health or Sickness
Sells cover for sickness, bodily injury or accidental death in Vermont, and it may carry disability income benefits too. No pre-licensing course is required.
No course
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Auto Damage Appraiser
Appraises loss under Vermont automobile policies for compensation. Three groups are written out of it by name, and the repair shop is one of them.
No course
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Bail Bond Agent
Writes surety bail bonds in Vermont. DFR issues the license and the Court Administrator decides whether you may actually post a bond, which are two separate approvals from two branches of government.
No course
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Business Entity Limited Lines Producer
The firm rather than the person, holding a limited lines producer license in its own name. Vermont prices it at five times the individual's, and it is the only license in the schedule whose fee turns on the licensee being a company.
No course
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Casualty
Sells cover against legal liability in Vermont, including liability for death, injury or disability and for damage to real or personal property. No pre-licensing course is required.
No course
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Consultant
Advises on insurance for a fee rather than selling it. Vermont examines it on the producer paper and then asks for a $5,000 bond and the client agreement itself, fee structure and all.
No course
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Crop Adjuster
Adjusts Vermont crop claims, and the examination is federal rather than Vermont’s. The state accepts the Risk Management Agency’s proficiency paper in place of setting one of its own.
No course
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Life Settlement Broker
Negotiates the sale of a life policy for its owner. No examination of its own: Vermont asks for a producer license held two years and a bond that scales with how much the broker actually settles.
No course
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Life
Sells life insurance in Vermont, which the statute writes as coverage on human lives including endowment and annuity benefits, benefits for death or dismemberment by accident, and disability income. Vermont asks no pre-licensing course for it.
No course
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Limited Lines Producer
Sells a single narrow kind of insurance rather than a full line of authority. Vermont charges an individual the same $30 it charges a full producer, and then charges $90 for the appointment, which is more than the license.
No course
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Managing General Agent
Acts for an insurer with authority over underwriting or claims that an ordinary producer does not have. Vermont asks no prelicensing course for it and charges more for it than for any other license in its schedule except the surplus lines broker.
No course
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PC Adjuster
Adjusts Vermont property and casualty claims for insurers. Vermont examines it and then asks for experience, training or three years of somebody else’s license standing behind you.
No course
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Personal Lines
Property and casualty insurance sold to individuals and families for primarily noncommercial purposes in Vermont. It is one line rather than two and no pre-licensing course is required.
No course
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Property
Sells cover for direct or consequential loss or damage to property of every kind in Vermont. No pre-licensing course is required.
No course
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Public Adjuster
Investigates and settles Vermont claims for the insured rather than the insurer. The statute puts advertising inside the definition, so holding yourself out as one needs the license even before any claim is touched.
No course
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Reinsurance Intermediary
One license covering both the broker who places reinsurance and the manager who binds it. Michigan splits the same two definitions into two licenses; Vermont writes both and issues one.
No course
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Surplus Lines Broker
Places Vermont business with non-admitted insurers. Stacked on a producer license with no examination of its own, and applied for from inside the producer application rather than beside it.
No course
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Title Agent
Sells title insurance in Vermont. An examination and a sponsoring insurer’s appointment, and the appointment is what actually issues the license.
No course
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Variable Life and Variable Annuity Products
Sells cover provided under variable life insurance contracts and variable annuities in Vermont. The statute lists it among the six lines a producer may qualify for and conditions it on nothing else.
No course
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WC Adjuster
Adjusts Vermont workers’ compensation claims. Its continuing education is the only one on this site run by a labor department rather than by the insurance regulator.
No course
Is a course required?
Vermont requires no pre-licensing course for Every producer line of authority.
The Department lists what a producer license takes: be 18, be found competent, trustworthy and financially responsible by the commissioner, pass a written examination, and file an application with the fees. No course appears in it. A sourced zero read off a complete list.
Read at the Department on 2026-08-14
Fees
| Charge | Paid to | Amount |
|---|---|---|
| Application fee 8 V.S.A. 4800(2)(A). Every license application named in section 4800 is accompanied by $30 "plus the applicable fees" that follow, so this is charged on top of the license fee rather than instead of it. Section 4800 names ten licenses: the insurance producer, surplus lines insurance broker, managing general agent, reinsurance intermediary, insurance consultant, limited lines producer, business entity limited lines producer, insurance adjuster, public adjuster and appraiser. Three licenses Vermont issues outside section 4800 carry the same $30 on the Department's own pages: the title agent, the bail bond agent and the life settlement broker. | Vermont Department of Financial Regulation | $30.00 |
| License fee 8 V.S.A. 4800(2)(A)(i), for the initial license and the biennial renewal alike. It is the producer and limited lines producer figure only. Vermont prices the other eight licenses in section 4800 separately and higher, from $120 for an adjuster to $400 for a surplus lines broker, and this row used to be scoped to all of them. The title agent and the bail bond agent are outside section 4800 and the Department publishes the same $30 for both. | Vermont Department of Financial Regulation | $30.00 |
| Business entity limited lines producer license 8 V.S.A. 4800(2)(A)(ii), initial and biennial renewal alike. It is five times the $30 an individual limited lines producer pays under (2)(A)(i), and it is the only fee in the Vermont schedule that turns on the licensee being a company rather than a person. | Vermont Department of Financial Regulation | $150.00 |
| Adjuster or appraiser license, 24 months 8 V.S.A. 4800(2)(A)(v), which prices the resident and nonresident adjuster and the appraiser together for an initial 24-month license and for each biennial renewal. The same subdivision prices the public adjuster separately and higher. | Vermont Department of Financial Regulation | $120.00 |
| Public adjuster license, 24 months 8 V.S.A. 4800(2)(A)(v), which sets the public adjuster apart from the other adjusters in the same sentence: $200 against their $120, for an initial 24-month license and for each biennial renewal. | Vermont Department of Financial Regulation | $200.00 |
| Surplus lines broker license, 24 months 8 V.S.A. 4800(2)(A)(vi), initial 24-month license and biennial renewal alike. At $400 it is the most expensive license in the Vermont schedule, more than thirteen times the $30 a producer pays. | Vermont Department of Financial Regulation | $400.00 |
| Consultant license, 24 months 8 V.S.A. 4800(2)(A)(vii), initial 24-month license and biennial renewal alike. | Vermont Department of Financial Regulation | $200.00 |
| Reinsurance intermediary license, 24 months 8 V.S.A. 4800(2)(A)(viii), initial 24-month license and biennial renewal alike. | Vermont Department of Financial Regulation | $200.00 |
| Managing general agent license, 24 months 8 V.S.A. 4800(2)(A)(ix), initial 24-month license and biennial renewal alike. Only the surplus lines broker costs more. | Vermont Department of Financial Regulation | $300.00 |
| Life settlement broker license The Department publishes $100 for the license itself, on top of the $30 application fee every Vermont license carries. It is more than three times what a producer, a title agent or a bail bond agent pays. A life settlement PROVIDER also files a bond or letter of credit scaled to the settlements it handles, from $25,000 up to $100,000 above fifteen million, which is security rather than a payment and is not totalled here. | Vermont Department of Financial Regulation | $100.00 |
Every amount above was read at its own source on 2026-09-05. Exam and fingerprint charges go to a vendor, not to the Department, and say so.
Approved courses
There is no register and no course to approve. The Department points applicants at its licensing handbook for the examination and licensing process.