Contractor Insurance
in Vermont
Get Covered—Fast, Easy, and Built for Your Trade
Whether you’re a general contractor in Burlington or a handyman in Brattleboro, ACI makes it simple to get affordable, state-compliant contractor insurance in Vermont. We help you meet state requirements, secure jobs, and protect your business—without the red tape.
Why Contractors in Vermont Choose ACI
Local Expertise
We understand Vermont contractor regulations and licensing needs.
Same-Day Certificates
Need proof of coverage today? We’ve got you covered.
Flexible Payment Plans
Pay as little as 20% down and spread the rest.
Bundled Savings
Combine policies and save up to 25% on total premiums.
Insurance Coverage We Offer in Vermont
- General Liability Insurance
Protects against third-party injuries, property damage, and legal costs. Often required for Vermont contractors to work on residential or commercial projects.
- Workers’ Compensation Insurance
Covers on-the-job injuries, medical expenses, and lost wages. Required for all Vermont contractors with one or more employees.
- Commercial Auto Insurance
Covers work trucks, vans, and trailers from collisions, theft, and liability. Mandatory for all business-use vehicles operated in Vermont.
- Tools & Equipment Insurance
Insures your tools, machinery, and equipment against damage, loss, or theft—whether on-site, in storage, or in transit.
- Builder’s Risk Insurance
Covers buildings under construction and renovation, including materials and labor costs, from fire, storms, vandalism, and other covered losses.
- Professional Liability Insurance
Protects your business from claims related to design errors, missed deadlines, or project-related financial loss due to professional negligence.
Who We Cover in Vermont
We insure a wide range of Vermont trades, including:
- General Contractors
- Home Builders
- Electricians
- Plumbers
- Roofers
Don’t see your trade listed? We likely cover it—request a quote to find out.
How Much Does Contractor Insurance Cost in Vermont?
Contractor insurance premiums in Vermont depend on a variety of business-specific factors:
Cost Factors
- Type of Work
High-risk trades like roofing, framing, or excavation tend to cost more than lower-risk services like painting or handyman work.
- Business Size
More employees or higher payroll typically increases your premium.
- Coverage Limits
Higher policy limits offer more protection but come with higher monthly costs.
- Claims History
A clean claims record can help you qualify for lower rates.
- Location & Risk Profile
Factors like working in urban vs. rural areas, jobsite security, and project type may impact your rate.
Get a quote in minutes and find out what coverage looks like for your Vermont business—no guesswork, no pressure.
Vermont Contractor Insurance Requirements
If you work in construction or home services in Vermont, you may be legally required to carry:
General Liability Insurance
Covers property damage, bodily injury, and legal defense if a client or third party is harmed due to your work. Whether a homeowner trips over your ladder or you accidentally damage a client’s property, general liability is your first line of defense—and is often required to secure jobs and permits in Vermont.
Workers’ Compensation Insurance
Required for all Vermont contractors with one or more employees, this coverage pays for medical treatment, lost wages, and rehabilitation if your workers are injured on the job. It also protects your business from costly lawsuits related to workplace injuries.
Commercial Auto Insurance
If you use a truck, van, or trailer for work—even part-time, Vermont law typically requires a commercial auto policy. This covers collisions, liability, and vehicle-related injuries or damage that may not be covered by a personal auto policy.
Talk to our team today! We help you navigate Vermont’s insurance regulations so you’re always in compliance and ready to work.
Get a Free Contractor Insurance Quote
in Vermont
Whether you’re starting a new business or upgrading your current policy, ACI makes it fast and hassle-free to get insured in Vermont.
Don’t waste time chasing quotes. Let us do the heavy lifting. Get your free, no-obligation quote in minutes.