PolicyWorkspacePlanning lab
All states

Vermontworkers' comp and liability guide

This page summarizes the loaded workers' comp class cards and the baseline liability posture used in the estimator for Vermont.

GL baseline $1M / $2MWC from 1 employee

IT consulting

Class code 8810 · minimum premium $0

$0.13 / $100

General contractor

Class code 5606 · minimum premium $0

$0.91 / $100

Retail store

Class code 8017 · minimum premium $0

$1.24 / $100

Accounting firm

Class code 8803 · minimum premium $0

$0.04 / $100

Janitorial services

Class code 9014 · minimum premium $0

$2.50 / $100

Restaurant

Class code 9082 · minimum premium $0

$0.99 / $100

Management consulting

Class code 8803 · minimum premium $0

$0.04 / $100

Landscaping services

Class code 0042 · minimum premium $0

$3.98 / $100

Plumbing contractor

Class code 5183 · minimum premium $0

$2.90 / $100

Salon / barber shop

Class code 9586 · minimum premium $0

$0.45 / $100

Engineering consulting

Class code 8601 · minimum premium $0

$0.30 / $100

Lawn care services

Class code 9102 · minimum premium $0

$2.48 / $100

House cleaning services

Class code 0917 · minimum premium $0

$3.13 / $100

Insurance agency

Class code 8723 · minimum premium $0

$0.13 / $100

Law firm

Class code 8820 · minimum premium $0

$0.12 / $100

Pet sitting services

Class code 8831 · minimum premium $0

$0.93 / $100

Real estate agency

Class code 8742 · minimum premium $0

$0.30 / $100

Photography business

Class code 4923 · minimum premium $0

$0.79 / $100

Florist shop

Class code 8001 · minimum premium $0

$1.79 / $100

Tax preparation service

Class code 8803 · minimum premium $0

$0.04 / $100

Travel agency

Class code 8810 · minimum premium $0

$0.13 / $100

Architect firm

Class code 8601 · minimum premium $0

$0.30 / $100

Web design studio

Class code 8810 · minimum premium $0

$0.13 / $100

Software development firm

Class code 8810 · minimum premium $0

$0.13 / $100

Bookkeeping service

Class code 8803 · minimum premium $0

$0.04 / $100

Catering business

Class code 9082 · minimum premium $0

$0.99 / $100

Bakery

Class code 2003 · minimum premium $0

$3.09 / $100

Pet grooming service

Class code 8831 · minimum premium $0

$0.93 / $100

Pet training service

Class code 8831 · minimum premium $0

$0.93 / $100

Dental practice

Class code 8832 · minimum premium $0

$0.33 / $100

Optometry practice

Class code 8832 · minimum premium $0

$0.33 / $100

Medical practice

Class code 8832 · minimum premium $0

$0.33 / $100

Day spa

Class code 9063 · minimum premium $0

$0.81 / $100

Electrician contractor

Class code 5190 · minimum premium $0

$2.17 / $100

Painting contractor

Class code 5474 · minimum premium $0

$4.45 / $100

Welding contractor

Class code 3365 · minimum premium $0

$6.69 / $100

HVAC installation contractor

Class code 3724 · minimum premium $0

$3.20 / $100

Auto repair shop

Class code 8380 · minimum premium $0

$2.26 / $100

Pet boarding business

Class code 8831 · minimum premium $0

$0.93 / $100

Auto detailing and car wash

Class code 8380 · minimum premium $0

$2.26 / $100

Pressure washing business

Class code 9014 · minimum premium $0

$2.50 / $100

Convenience store

Class code 8006 · minimum premium $0

$1.44 / $100

Hot dog cart

Class code 7380 · minimum premium $0

$6.09 / $100

Grocery store

Class code 8006 · minimum premium $0

$1.44 / $100

Pharmacy and drugstore

Class code 8045 · minimum premium $0

$0.68 / $100

Jewelry store

Class code 8013 · minimum premium $0

$0.40 / $100

Furniture store

Class code 8044 · minimum premium $0

$2.94 / $100

Clothing store

Class code 8008 · minimum premium $0

$0.93 / $100

Computer repair business

Class code 5191 · minimum premium $0

$0.79 / $100

Bar / lounge / tavern

Class code 9084 · minimum premium $0

$1.05 / $100

Coffee shop / cafe

Class code 9082 · minimum premium $0

$0.99 / $100

Food truck

Class code 7380 · minimum premium $0

$6.09 / $100

Juice bar

Class code 9083 · minimum premium $0

$1.16 / $100

Deli / sandwich shop

Class code 9082 · minimum premium $0

$0.99 / $100

Fast food restaurant

Class code 9083 · minimum premium $0

$1.16 / $100

Ice cream shop

Class code 2039 · minimum premium $0

$2.37 / $100

Food vendor / concession stand

Class code 7380 · minimum premium $0

$6.09 / $100

Acupuncture clinic

Class code 8832 · minimum premium $0

$0.33 / $100

Physical therapy practice

Class code 8832 · minimum premium $0

$0.33 / $100

Butcher shop

Class code 8031 · minimum premium $0

$1.97 / $100

Hardware store

Class code 8010 · minimum premium $0

$1.55 / $100

Psychology practice

Class code 8832 · minimum premium $0

$0.33 / $100

Nutritionist practice

Class code 8832 · minimum premium $0

$0.33 / $100

Social work practice

Class code 8832 · minimum premium $0

$0.33 / $100

Occupational therapy practice

Class code 8832 · minimum premium $0

$0.33 / $100

Mental health counseling practice

Class code 8832 · minimum premium $0

$0.33 / $100

Speech therapy practice

Class code 8832 · minimum premium $0

$0.33 / $100

Psychiatry practice

Class code 8832 · minimum premium $0

$0.33 / $100

Chiropractic practice

Class code 8832 · minimum premium $0

$0.33 / $100

Yoga studio

Class code 6204 · minimum premium $0

$5.36 / $100

Pilates studio

Class code 6204 · minimum premium $0

$5.36 / $100

Personal training studio

Class code 6204 · minimum premium $0

$5.36 / $100

Fitness instructor studio

Class code 6204 · minimum premium $0

$5.36 / $100

Gym and fitness center

Class code 6204 · minimum premium $0

$5.36 / $100

Dance instruction studio

Class code 8868 · minimum premium $0

$0.37 / $100

  • • General liability baseline commonly starts at $1M / $2M.
  • Vermont generally requires workers' compensation coverage when an employer hires one or more full-time or part-time employees in Vermont, unless the employer is approved to self-insure or a listed exemption applies.
  • • Project-specific contracts may still push higher umbrella, auto, or professional liability limits.
IT consulting: General LiabilityIT consulting: Errors & OmissionsIT consulting: Cyber LiabilityGeneral contractor: General LiabilityGeneral contractor: Business Owner's PolicyGeneral contractor: Workers' CompensationGeneral contractor: Inland Marine / ToolsGeneral contractor: Umbrella / ExcessRetail store: General LiabilityRetail store: Business Owner's PolicyRetail store: Workers' CompensationRetail store: Cyber LiabilityAccounting firm: General LiabilityAccounting firm: Business Owner's PolicyAccounting firm: Workers' CompensationAccounting firm: Errors & OmissionsAccounting firm: Cyber LiabilityJanitorial services: General LiabilityJanitorial services: Business Owner's PolicyJanitorial services: Workers' CompensationJanitorial services: Inland Marine / ToolsRestaurant: General LiabilityRestaurant: Business Owner's PolicyRestaurant: Workers' CompensationRestaurant: Cyber LiabilityManagement consulting: General LiabilityManagement consulting: Business Owner's PolicyManagement consulting: Workers' CompensationManagement consulting: Errors & OmissionsManagement consulting: Cyber LiabilityLandscaping services: General LiabilityLandscaping services: Business Owner's PolicyLandscaping services: Workers' CompensationLandscaping services: Inland Marine / ToolsPlumbing contractor: General LiabilityPlumbing contractor: Business Owner's PolicyPlumbing contractor: Workers' CompensationPlumbing contractor: Errors & OmissionsPlumbing contractor: Inland Marine / ToolsSalon / barber shop: General LiabilitySalon / barber shop: Business Owner's PolicySalon / barber shop: Workers' CompensationSalon / barber shop: Errors & OmissionsSalon / barber shop: Cyber LiabilityEngineering consulting: General LiabilityEngineering consulting: Business Owner's PolicyEngineering consulting: Workers' CompensationEngineering consulting: Errors & OmissionsEngineering consulting: Cyber LiabilityLawn care services: General LiabilityLawn care services: Business Owner's PolicyLawn care services: Workers' CompensationLawn care services: Inland Marine / ToolsHouse cleaning services: General LiabilityHouse cleaning services: Business Owner's PolicyHouse cleaning services: Workers' CompensationInsurance agency: General LiabilityInsurance agency: Business Owner's PolicyInsurance agency: Workers' CompensationInsurance agency: Errors & OmissionsInsurance agency: Cyber LiabilityLaw firm: General LiabilityLaw firm: Business Owner's PolicyLaw firm: Workers' CompensationLaw firm: Cyber LiabilityPet sitting services: General LiabilityPet sitting services: Business Owner's PolicyPet sitting services: Workers' CompensationPet sitting services: Errors & OmissionsPet sitting services: Cyber LiabilityReal estate agency: General LiabilityReal estate agency: Business Owner's PolicyReal estate agency: Workers' CompensationReal estate agency: Errors & OmissionsReal estate agency: Cyber LiabilityPhotography business: General LiabilityPhotography business: Business Owner's PolicyPhotography business: Workers' CompensationPhotography business: Errors & OmissionsPhotography business: Inland Marine / ToolsFlorist shop: General LiabilityFlorist shop: Business Owner's PolicyFlorist shop: Workers' CompensationFlorist shop: Cyber LiabilityTax preparation service: General LiabilityTax preparation service: Business Owner's PolicyTax preparation service: Workers' CompensationTax preparation service: Errors & OmissionsTax preparation service: Cyber LiabilityTravel agency: General LiabilityTravel agency: Business Owner's PolicyTravel agency: Workers' CompensationTravel agency: Errors & OmissionsTravel agency: Cyber LiabilityArchitect firm: General LiabilityArchitect firm: Business Owner's PolicyArchitect firm: Workers' CompensationArchitect firm: Errors & OmissionsArchitect firm: Cyber LiabilityWeb design studio: General LiabilityWeb design studio: Business Owner's PolicyWeb design studio: Workers' CompensationWeb design studio: Cyber LiabilitySoftware development firm: General LiabilitySoftware development firm: Business Owner's PolicySoftware development firm: Workers' CompensationSoftware development firm: Cyber LiabilityBookkeeping service: General LiabilityBookkeeping service: Business Owner's PolicyBookkeeping service: Workers' CompensationBookkeeping service: Errors & OmissionsBookkeeping service: Cyber LiabilityCatering business: General LiabilityCatering business: Business Owner's PolicyCatering business: Workers' CompensationCatering business: Cyber LiabilityBakery: General LiabilityBakery: Business Owner's PolicyBakery: Workers' CompensationBakery: Cyber LiabilityPet grooming service: General LiabilityPet grooming service: Business Owner's PolicyPet grooming service: Workers' CompensationPet grooming service: Errors & OmissionsPet grooming service: Cyber LiabilityPet training service: General LiabilityPet training service: Business Owner's PolicyPet training service: Workers' CompensationPet training service: Errors & OmissionsPet training service: Cyber LiabilityDental practice: General LiabilityDental practice: Business Owner's PolicyDental practice: Workers' CompensationDental practice: Errors & OmissionsDental practice: Cyber LiabilityOptometry practice: General LiabilityOptometry practice: Business Owner's PolicyOptometry practice: Workers' CompensationOptometry practice: Errors & OmissionsOptometry practice: Cyber LiabilityMedical practice: General LiabilityMedical practice: Business Owner's PolicyMedical practice: Workers' CompensationMedical practice: Errors & OmissionsMedical practice: Cyber LiabilityDay spa: General LiabilityDay spa: Business Owner's PolicyDay spa: Workers' CompensationDay spa: Errors & OmissionsDay spa: Cyber LiabilityElectrician contractor: General LiabilityElectrician contractor: Business Owner's PolicyElectrician contractor: Workers' CompensationElectrician contractor: Errors & OmissionsElectrician contractor: Inland Marine / ToolsPainting contractor: General LiabilityPainting contractor: Business Owner's PolicyPainting contractor: Workers' CompensationPainting contractor: Errors & OmissionsPainting contractor: Inland Marine / ToolsWelding contractor: General LiabilityWelding contractor: Business Owner's PolicyWelding contractor: Workers' CompensationWelding contractor: Errors & OmissionsWelding contractor: Inland Marine / ToolsHVAC installation contractor: General LiabilityHVAC installation contractor: Business Owner's PolicyHVAC installation contractor: Workers' CompensationHVAC installation contractor: Cyber LiabilityHVAC installation contractor: Inland Marine / ToolsAuto repair shop: General LiabilityAuto repair shop: Business Owner's PolicyAuto repair shop: Workers' CompensationAuto repair shop: Inland Marine / ToolsPet boarding business: General LiabilityPet boarding business: Business Owner's PolicyPet boarding business: Workers' CompensationPet boarding business: Errors & OmissionsPet boarding business: Cyber LiabilityAuto detailing and car wash: General LiabilityAuto detailing and car wash: Business Owner's PolicyAuto detailing and car wash: Workers' CompensationAuto detailing and car wash: Inland Marine / ToolsPressure washing business: General LiabilityPressure washing business: Business Owner's PolicyPressure washing business: Workers' CompensationConvenience store: General LiabilityConvenience store: Business Owner's PolicyConvenience store: Workers' CompensationHot dog cart: General LiabilityHot dog cart: Business Owner's PolicyHot dog cart: Workers' CompensationHot dog cart: Cyber LiabilityGrocery store: General LiabilityGrocery store: Business Owner's PolicyGrocery store: Workers' CompensationGrocery store: Cyber LiabilityPharmacy and drugstore: General LiabilityPharmacy and drugstore: Business Owner's PolicyPharmacy and drugstore: Workers' CompensationPharmacy and drugstore: Cyber LiabilityJewelry store: General LiabilityJewelry store: Business Owner's PolicyJewelry store: Workers' CompensationJewelry store: Cyber LiabilityFurniture store: General LiabilityFurniture store: Business Owner's PolicyFurniture store: Workers' CompensationFurniture store: Cyber LiabilityClothing store: General LiabilityClothing store: Business Owner's PolicyClothing store: Workers' CompensationClothing store: Cyber LiabilityComputer repair business: General LiabilityComputer repair business: Workers' CompensationComputer repair business: Errors & OmissionsBar / lounge / tavern: General LiabilityBar / lounge / tavern: Business Owner's PolicyBar / lounge / tavern: Workers' CompensationBar / lounge / tavern: Cyber LiabilityCoffee shop / cafe: General LiabilityCoffee shop / cafe: Business Owner's PolicyCoffee shop / cafe: Workers' CompensationCoffee shop / cafe: Cyber LiabilityFood truck: General LiabilityFood truck: Business Owner's PolicyFood truck: Workers' CompensationFood truck: Cyber LiabilityJuice bar: General LiabilityJuice bar: Business Owner's PolicyJuice bar: Workers' CompensationJuice bar: Cyber LiabilityDeli / sandwich shop: General LiabilityDeli / sandwich shop: Business Owner's PolicyDeli / sandwich shop: Workers' CompensationDeli / sandwich shop: Cyber LiabilityFast food restaurant: General LiabilityFast food restaurant: Business Owner's PolicyFast food restaurant: Workers' CompensationFast food restaurant: Cyber LiabilityIce cream shop: General LiabilityIce cream shop: Business Owner's PolicyIce cream shop: Workers' CompensationIce cream shop: Cyber LiabilityFood vendor / concession stand: General LiabilityFood vendor / concession stand: Business Owner's PolicyFood vendor / concession stand: Workers' CompensationFood vendor / concession stand: Cyber LiabilityAcupuncture clinic: General LiabilityAcupuncture clinic: Business Owner's PolicyAcupuncture clinic: Workers' CompensationAcupuncture clinic: Errors & OmissionsAcupuncture clinic: Cyber LiabilityPhysical therapy practice: General LiabilityPhysical therapy practice: Business Owner's PolicyPhysical therapy practice: Workers' CompensationPhysical therapy practice: Errors & OmissionsPhysical therapy practice: Cyber LiabilityButcher shop: General LiabilityButcher shop: Business Owner's PolicyButcher shop: Workers' CompensationButcher shop: Cyber LiabilityHardware store: General LiabilityHardware store: Business Owner's PolicyHardware store: Workers' CompensationHardware store: Cyber LiabilityPsychology practice: General LiabilityPsychology practice: Business Owner's PolicyPsychology practice: Workers' CompensationPsychology practice: Errors & OmissionsPsychology practice: Cyber LiabilityNutritionist practice: General LiabilityNutritionist practice: Business Owner's PolicyNutritionist practice: Workers' CompensationNutritionist practice: Errors & OmissionsNutritionist practice: Cyber LiabilitySocial work practice: General LiabilitySocial work practice: Business Owner's PolicySocial work practice: Workers' CompensationSocial work practice: Errors & OmissionsSocial work practice: Cyber LiabilityOccupational therapy practice: General LiabilityOccupational therapy practice: Business Owner's PolicyOccupational therapy practice: Workers' CompensationOccupational therapy practice: Errors & OmissionsOccupational therapy practice: Cyber LiabilityMental health counseling practice: General LiabilityMental health counseling practice: Business Owner's PolicyMental health counseling practice: Workers' CompensationMental health counseling practice: Errors & OmissionsMental health counseling practice: Cyber LiabilitySpeech therapy practice: General LiabilitySpeech therapy practice: Business Owner's PolicySpeech therapy practice: Workers' CompensationSpeech therapy practice: Errors & OmissionsSpeech therapy practice: Cyber LiabilityPsychiatry practice: General LiabilityPsychiatry practice: Business Owner's PolicyPsychiatry practice: Workers' CompensationPsychiatry practice: Errors & OmissionsPsychiatry practice: Cyber LiabilityChiropractic practice: General LiabilityChiropractic practice: Business Owner's PolicyChiropractic practice: Workers' CompensationChiropractic practice: Errors & OmissionsChiropractic practice: Cyber LiabilityYoga studio: General LiabilityYoga studio: Business Owner's PolicyYoga studio: Workers' CompensationYoga studio: Errors & OmissionsYoga studio: Cyber LiabilityPilates studio: General LiabilityPilates studio: Business Owner's PolicyPilates studio: Workers' CompensationPilates studio: Errors & OmissionsPilates studio: Cyber LiabilityPersonal training studio: General LiabilityPersonal training studio: Business Owner's PolicyPersonal training studio: Workers' CompensationPersonal training studio: Errors & OmissionsPersonal training studio: Cyber LiabilityFitness instructor studio: General LiabilityFitness instructor studio: Business Owner's PolicyFitness instructor studio: Workers' CompensationFitness instructor studio: Errors & OmissionsFitness instructor studio: Cyber LiabilityGym and fitness center: General LiabilityGym and fitness center: Business Owner's PolicyGym and fitness center: Workers' CompensationGym and fitness center: Errors & OmissionsGym and fitness center: Cyber LiabilityDance instruction studio: General LiabilityDance instruction studio: Business Owner's PolicyDance instruction studio: Workers' CompensationDance instruction studio: Errors & OmissionsDance instruction studio: Cyber Liability

Sponsored placement

Vermont guide sponsorship slot

Reserved content-page inventory with spacing from state estimator entry and no resemblance to navigation or downloads.

Content-only inventory
Reserved ad containerDistinct from estimator, export, and quote actions
This placeholder is intentionally separated from action buttons.Review ad placement QA