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Vermont law states that Workers' Compensation Insurance is mandatory for all employers that hire one or more employees on a full- or part-time basis. If you hire employees outside the state, but they work for you in Vermont, you must purchase coverage. Employers may choose to include a family member who lives with them, and they do not need approval from the Vermont Department of Labor to do so.

VT Workers' Comp: Key Details

  • Sole proprietors and partners in Vermont can purchase Workers' Comp for themselves, but are not required to.
  • Corporate officers and LLC members are included in coverage requirements, but may elect to exempt themselves.
  • People who work with independent contractors must sort out in writing who is responsible for carrying Workers' Compensation Insurance. You will be responsible for the insurance if the independent contractor…
    • Doesn't have coverage.
    • Does not meet the definition of a contractor under law.
  • The following people are not required to be covered by Workers' Comp:
    • Casual employees whose work is not for the purpose of the employer's trade or business.
    • A person engaged in amateur sports.
    • A person engaged in agriculture or farm employment for an employer whose aggregate payroll is less than $10,000 in a calendar year.
    • Certain elected officials.
    • Volunteers.
  • You may self-insure (if approved) or purchase insurance through a commercial insurance carrier.

Want to know more about how Vermont's Workers' Compensation laws affect your business? Visit the state's Department of Labor for more details.

Workers' Compensation Insurance Laws By State