I ran into this problem and solved it. This is because VSTO creates a custom AppDomain at boot time for VSTO AddIn. The action uses Shadow Copy to copy VSTO.DLL to a temporary location and loads it from there.
Anti-virus tools such as McAfee actively kill this shadow copy operation, so AddIn will not load onto protected computers or with tight security permissions.
To bypass the shadow copy, ask the installer to place your .DLL AddIn in the global assembly cache. With its help, the Shadow Copy process is avoided in the GAC and the .DLL is loaded.
Keep in mind - this can cause development problems, so do not deploy .DLL to the GAC on your development machine. If you do this, you will not be able to run your changes in Visual Studio (the DLL in the GAC will work instead).
EricL
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