VT Workers Comp Information

Research the latest news and information regarding Vermont workers compensation insurance.

Vermont is an NCCI state for Workers' Compensation purposes. This means it partners with the National Council on Compensation Insurance to determine rates on all business classification codes and to administer the assigned risk for the state.

There are currently only 25 insurance companies actively providing workers compensation quotes in Vermont. Most states have a couple hundred who quote within the state. This lack of competition and the fact that there is no assigned risk partner to compete with the open market cause rates in Vermont to remain high.

At Workers Compensation Shop.com, we are a nationwide provider who partners with more than 30 insurance carriers. Because we partner with so many carriers we can shop your policy around and make carriers compete for your business. Our agents are experts at finding rebates and discounts some other agencies may not have access to. Because we specialize in workers comp we are confident we can get you the best rates in the industry.

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About Workers Compensation in Vermont

Vermont Department of Labor

Division of Workers' Compensation and Safety
National Life Building, Drawer 20
Montpelier, Vermont 05620-3401

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Vermont is an NCCI State

Vermont partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. Vermont uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Vermont Work Comp Information

Penalties for Employers

Any employer who fails to provide workers compensation coverage may be assessed a penalty of $50.00 per day without coverage, up to $5,000.

If coverage is not purchased within 5 days of receiving a non-compliance notice, the penalty jumps to $150 per day. Employers are also liable for claims and may have their business closed for repeated offenses.

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Vermont.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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