Business Insurance in Vermont

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What are the requirements for small business insurance in Vermont?

State laws can affect which insurance policies you need for your small business. These policies are required for Vermont businesses.
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Workers' compensation insurance

Vermont state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical costs and partial lost wages resulting from a work-related injury or illness.

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Commercial auto insurance

All business-owned vehicles in Vermont must be covered by commercial auto insurance.

Vermont requires a minimum of:

  • 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 coverage per accident

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

Recommended insurance policies for small businesses in Vermont

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How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Vermont business insurance

In Vermont, insurance agents, agencies, 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 Sircon Corp. Verification System by selecting Vermont, Agency, and then entering our Vermont state license number.

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