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Vermont Workers Compensation Insurance



Very few employment situations are exempt from workers compensation coverage. For instance there are no exceptions for non-profits, a limited number of staff, limited hours worked or even for temporary/seasonal service. Minimal exceptions are as follows: casual employment, amateur sports, agriculture /farm work where payroll is less than $10,000 annually, family members living in a home if they do not have wages included in the payroll, work in the home, the sole proprietor, partner owner or partner owners of any business not incorporated or a real estate broker/real estate salesperson on commission.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies, who in many cases offer deep discounts on workers compensation coverage that cannot be found from standard workers compensation insurance carriers.

USL&H and The Jones Act

We have excellent workers compensation programs for specialty risks that require this endorsement. If you are unsure and want to read either the USL&H or Jones Act, please see the helpful links below provided for your convenience.

If you need a quote that requires this coverage

Click here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.

Click here for: USL&H & Jones Act Information

Defense Base Act Division of Longshore and Harbor Workers' Compensation



Vermont Workers
Compensation Links

Information for State Workers Compensation Insurance