Business Insurance in Vermont

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Get small business insurance for your Vermont business

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Learn about Vermont's insurance requirements

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Recommended insurance policies for small businesses in Vermont

General liability insurance icon

General liability insurance

This business liability insurance is important for all Vermont businesses. It covers common third-party risks, and it's required by most commercial leases.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects Vermont businesses that provide professional services or advice. It covers lawsuits related to work performance.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Vermont businesses that handle credit card numbers and other sensitive data.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data recovery costs
Business owner’s policy icon

Business owner's policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Vermont business.

BEST FOR
  • Slip-and-fall injuries
  • Damaged customer property
  • Business property damage and theft
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for Vermont businesses that have one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal costs from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Vermont. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving commercial vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Vermont business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Vermont, from Rutland to Burlington.

Blue check mark

Workers' compensation insurance

The Vermont Department of Labor requires [PDF] businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance.

Workers' comp covers medical costs when an employee is injured on the job or develops an occupational disease. It also provides disability benefits to injured Vermont workers.

Most policies include employer's liability insurance, which covers legal costs if an employee claims their injury was caused by the employer's negligence.

Blue check mark

Commercial auto insurance

All business-owned vehicles in the Green Mountain State must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles in Vermont.

Vermont's minimum requirements for auto liability insurance are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $50,000 per person / $100,000 per accident / $10,000 property damage

Trucking companies may need additional coverage to comply with regulations.

Personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for Vermont small business owners. Factors that influence the cost include:

  • Type of business and its risks
  • Business operations and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Vermont's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Vermont, insurance agencies, agents, and brokers are licensed by the Vermont Department of Financial Regulation. Insureon is licensed in Vermont as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 706364). You can verify our licensure with the National Association of Insurance Commissioners by selecting Vermont, licensee, and business entity, then entering our NPN or license number.

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