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Small Business Insurance in Vermont

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Recommended insurance policies for small businesses in Vermont

General liability insurance

General liability insurance icon

General liability covers common risks for small businesses in Vermont, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Errors and omissions insurance

Errors and omissions insurance icon

This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

BEST FOR
  • Work errors and oversights
  • Professional negligence lawsuits
  • Late or incomplete work

Cyber liability insurance

Cyber liability insurance icon

This policy protects Vermont small businesses against data breaches and cyberattacks that affect your business or a client.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Business owner’s policy

Business owner’s policy icon

This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Vermont small business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property

Workers’ compensation

Workers’ compensation insurance icon

Workers’ compensation insurance is required for Vermont small businesses that have employees. It can cover medical costs for work injuries.

BEST FOR
  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Commercial auto insurance

Commercial auto insurance icon

This policy is required for vehicles owned by Vermont small businesses. It covers injuries and property damage in an accident, along with other types of damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Looking for different coverage? Check out our other policies.

What are the insurance requirements for small businesses in Vermont?

State laws can affect which 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 employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by small businesses in Vermont must be covered by commercial auto insurance.

Vermont requires the following levels of coverage:

  • 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

Though it's not required, 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.

How much does small business insurance cost?

Small business owner calculating their business insurance costs.

Business insurance policies can be affordable for sole proprietors and small companies with low risks. Based on policy data from TechInsurance customers in Vermont, the average premiums are:

General liability: $42 per month
Professional liability / E&O: $77 per month
Business owner's policy: $64 per month

Factors that influence the cost of business insurance include:

  • Type of business
  • Business operations
  • Number of employees
  • Location, such as Burlington or Rutland
  • Policy limits and other coverage options
  • Claims history

Top professions we insure

IT consultant and client examining a laptop.
IT consultant
Software developers writing programming code on a computer.
Software developer
A carpenter building a roof for a client project
Carpenter
A general contractor discussing their construction plan with a subcontractor
General contractor
Management consultant speaking with a client on the phone.
Management consultant
House cleaners cleaning up a client's break room.
House cleaner
A janitor mopping the floors of a client's office.
Janitorial service
A restaurant owner looks over documents.
Restaurant
A contractor examines plans by wet concrete.
Concrete contractor
Flooring contractor installing wood floor boards.
Flooring contractor
A handyman installing a doorknob at a client's property
Handyman
A landscape designer consulting with a client.
Landscape designer
Lawn care employee laying sod on a client's property.
Lawn service
Coffee shop employees at espresso machine
Coffee shop and cafe
Fast food worker holding an iPad
Fast food restaurant
A computer repair technician fixing computer parts.
Computer repair and service
SaaS business owner working on a tablet in a server room.
SaaS company
Two employees for a managed service provider (MSP) working on a project.
MSP
Web developer reviewing website programming code on a computer.
Web developer
Two engineers check project notes before starting on a client project
Engineer
Two architects working on a blueprint for their latest project
Architect
An interior designer consulting with a client.
Interior designer
Painter applying a coat of paint onto an exterior wall.
Painter
Two EMS professionals check vitals on a patient
Emergency service
A home healthcare provider speaking with a patient.
Home health aide
A caregiver helping a client.
Caregiver
An occupational therapist helps a patient walk during a therapy session
Occupational therapist
An e-commerce business owner taking a purchase order over the phone
E-commerce and online retailer
Clothing store owner taking inventory.
Clothing store
A recruiter discussing recent job openings with a client.
Recruiter
Don't see your industry? Don't worry. We cover most businesses.

We specialize in business insurance for Vermont IT and technology professionals

Our agents are experts in insurance for Vermont technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Vermont Department of Financial Regulation 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.

Verified small business insurance reviews

Hear from business owners like you who purchased insurance coverage.

The average policy costs on this page were calculated using data from Vermont small business owners who purchased policies through TechInsurance. The majority of our customers have been in business for five years or less, have fewer than five employees, and have yearly revenue ranging from around $50,000 to over $200,000.