Vermont insurance fraud training

The requirement

What Vermont requires

8 V.S.A. 4750 requires every insurer with direct written premiums in Vermont to keep an anti-fraud plan. Under subsection (a)(2), the plan must include procedures to educate appropriate employees on fraud detection and on the insurer's anti-fraud plan. Life settlement providers have a similar duty under 8 V.S.A. 3847.

The plan must also cover preventing, detecting and investigating fraud, including employee and agent fraud, application and rating misrepresentation and claims fraud; fraud investigators; reporting to law enforcement and regulators; restitution; and privacy-law compliance.

The Commissioner of Financial Regulation may require the plan and an annual summary of anti-fraud activities to be filed. The statute sets no training hours or frequency, and penalties can reach $500 a day.

• Every insurer with direct written premium in Vermont
• Educate appropriate employees on fraud detection and the plan
• File the plan and annual summary if the Commissioner requires

Sources, checked October 2026

• 8 V.S.A. 4750, Insurer anti-fraud plans (Vermont Legislature)

How NATG helps

Meet the Vermont mandate with one program

• Annual and new-hire anti-fraud courses in versions for each line of business and department
• Online, or instructor-led at your location
• Completion records, certificates and reports for your fraud plan and examiners
• One program for every state you write in, tracked in one place

NATG specializes in insurance fraud and investigations. Our compliance courses are built around the detection, referral and reporting duties in state fraud plans.