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Vermont

VT

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Not Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Vermont

Insurance agency telemarketing and lead generation compliance in Vermont

Guide last reviewed: January 2025

⚠

Mini-TCPA State — 9 V.S.A. § 2464a (Automatic Dialing Devices)

Vermont imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $10,000 per-violation penalties.

Vermont Insurance Overview

Insurance telemarketing in Vermont requires proper licensing from the Department of Financial Regulation. The EBR exemption covers existing policyholders for DNC purposes. The Consumer Protection Act provides the primary enforcement mechanism with $10,000 per violation and treble damages. Show real caller ID and scrub DNC lists.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Obtain proper insurance licensing from Vermont Department of Financial Regulation,Scrub against both Vermont DNC list and federal National DNC Registry,Display real caller ID — spoofing prohibited,Call only between 8:00 AM and 9:00 PM local time,Identify yourself, company, license credentials, and purpose at beginning of call,Prior consent before using ADAD equipment,Prior express written consent before automated calls to cell phones under federal TCPA,Comply with VT insurance solicitation regulations,Existing policyholders qualify for EBR exemption

What Gets Companies Sued

✗Common violations for insurance telemarketers in VT: (1) Calling DNC-listed numbers; (2) Caller ID spoofing; (3) ADAD calls without consent; (4) Unlicensed agents making solicitation calls; (5) Deceptive policy descriptions triggering Consumer Protection Act liability.

Special Exemptions

Licensed insurance agents calling existing policyholders benefit from EBR exemption for DNC purposes. No telemarketer registration required in VT but insurance licensing required.

Key State Rules

Mini-TCPAYes
RegistrationNot Required
Class ActionsNot specified
Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Vermont

Northeast Insurance Marketing LLC

$75,000

Aug 2023

prerecorded messagesno consent

Insurance marketer penalized for prerecorded messages without consent.

All enforcement actions in Vermont →

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →