Vermont contractors insurance

Licensing & registration in Vermont

Contractor licensing in Vermont is handled at the state and/or local level and can vary by trade and project size — residential contractor registration has become common, while trades such as electrical and plumbing carry their own state licensing. Verify the current requirement with your state licensing board (and the town or city where you work) before bidding.

Many licensing bodies require a license or registration bond as a guarantee to the public, separate from your liability insurance. Whether a bond applies depends on your jurisdiction and trade, so confirm the current rule before working.

Coverages Vermont contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Vermont

Common Vermont users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Burlington, Rutland, and Montpelier.