Does Virginia require registration for Insurance telemarketers?

Virginia does not require separate telemarketer registration; federal FTC rules still apply.

What is the penalty per violation in Virginia?

Up to $5,000 per violation (or $25,000 for willful violations). Private right of action available.

Home / States / Virginia

Virginia Telecom Compliance Guide

Telecom Compliance Reference — Updated January 2024

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$5,000

Registration

Not Required

Overview Calling Hours Consent Registration DNC Compliance DNC Registry Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Virginia

Insurance agency telemarketing and lead generation compliance in Virginia

Guide last reviewed: January 2025

⚠

Mini-TCPA State — Va. Code § 59.1-514 et seq. (Telephone Privacy Protection Act)

Virginia imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $5,000 per-violation penalties.

Virginia Insurance Overview

Insurance telemarketing in Virginia benefits significantly from the licensed agent exemption from the $50,000 bond and registration requirement. However, DNC compliance with the $500/violation private right of action, caller ID accuracy requirements, and federal TCPA still apply fully. The 18-month EBR limit means agents must track when policyholder relationships expire for DNC purposes.

Penalty/Violation

$5,000

Willful

$25,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Licensed insurance agents are exempt from VA telemarketer registration and $50,000 bond,Obtain proper insurance licensing from Virginia State Corporation Commission Bureau of Insurance,Scrub against both Virginia DNC list and federal National DNC Registry,Display accurate caller ID — spoofing prohibited,Call only between 8:00 AM and 9:00 PM local time,Identify yourself, company, license credentials, and purpose within 30 seconds,Prior express written consent before automated or prerecorded calls to cell phones,Comply with VA insurance solicitation regulations,EBR exemption covers existing policyholders (18-month limit from last transaction)

What Gets Companies Sued

✗Common violations for insurance telemarketers in VA: (1) Unlicensed agents claiming the insurance exemption; (2) Calling DNC-listed numbers — $500/violation exposure; (3) Caller ID spoofing; (4) Autodial campaigns without written consent; (5) Continuing to call beyond 18-month EBR expiration.

Special Exemptions

Licensed insurance agents are specifically exempt from VTPPA registration and the $50,000 bond under § 59.1-511(B). DNC compliance, calling hours, caller ID requirements, and federal TCPA rules still apply.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Stay Current

Weekly compliance digest

New enforcement actions, statute updates, and rule changes — delivered once a week. Know what changed before your next dial session.

Compliance, built in

Need an AI workforce that knows the rules?

Chief is the AI workforce for real estate operators. Calling, texting, and follow-up that respects Virginia consent requirements, calling hours, and DNC rules without you babysitting the dialer.

See Chief →

Or book a compliance review

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 →