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Captive Insurance | Department of Financial Regulation – Vermont Department of Financial Regulation

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The Captive Insurance Division of the Vermont Department of Financial Regulation focuses on maintaining a regulatory system that attracts quality business to Vermont, promotes the state reputation in the industry, and safeguards the solvency of captive insurers while recognizing the special purpose for which they were created. The division pursues its mission by:
As Deputy Commissioner of the Captive Insurance Division of the Vermont Department of Financial Regulation, Sandy Bigglestone oversees an extensive team of examiners, analysts and administrative staff responsible for the administration and regulation of captive insurance companies and risk retention groups.
Deputy Commissioner Bigglestone transitioned into her current leadership position in September 2022, capping over a quarter century career in the captive insurance industry. A highly regarded regulator among industry peers, Ms.Bigglestone has been part of the DFR Captive Insurance Division since 1997, serving the last 14 years as principal staff member to her predecessor. She holds an Associate Professional in Insurance Regulation designation from the National Association of Insurance Commissioners and is a Certified Public Accountant, Certified Financial Examiner, and Certified Public Manager with the State of Vermont. In 2018, Business Insurance awarded her the Women to Watch Award for her leadership, expertise and accomplishments in the captive insurance industry, and the 2022 Captive Review Power 50, which recognizes professionals having the most influence within the global captive insurance industry, lists her at number nine.
89 Main Street • Montpelier, VT • 05620-3101
802-828-3304 • Main Division Line
[email protected]
Click here to locate and contact individual staff.
For Vermont domestic email correspondence – include the Vermont License #/Captive Name in the subject line.
For all Foreign RRGs – include the NAIC#/Captive Name; for Risk Purchasing Groups, indicate company name and assigned #).
For all-related correspondence, please submit all materials in an unsecured PDF. ZIP files are unacceptable.
Commissioner Kevin Gaffney
89 Main Street • Montpelier, VT 05620-3101 
(802) 828-3301 – Main
(833) 337-4685 (toll free)
Division Contacts
Consumers (802) 828-3302
Adjusters/Producers (802) 828-3303
Companies (802) 828-2470
Banking:  (802) 828-3307
Captive Insurance:  (802) 828-3304
Securities:  (802) 828-3420

Public Information
For public records requests and media inquiries, email the Information Management Officer.
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