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Vermont Businesses We Cover with Workers’ Comp Insurance

Vermont Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Vermont Businesses

Worker’s comp insurance for the Green Mountain State.

It doesn’t get more American than apple pie. Unless it’s Vermont apples in a made from scratch pie served on a red checkered table cloth. Breakfast, lunch or dinner, apple pie, cobbler, turnovers, pudding, baked, fried, you name it. Vermont is the Bubba of all things apple. Vermont is the oldest member of the Union after the 13 colonies, it was the first state to join after the Constitution was ratified. Vermont entered the US as an independent nation, complete with its own currency and post office, but until only recent years, if you wanted a Driver’s License with a photo you had to drive to Montpelier. Plan lunch accordingly — they’re they only state capital without a McDonalds! Montpelier keeps things homey and local for a quaint, friendly feel. While tech giant IBM is the state’s largest employer, 99% of Vermont companies are small businesses that employ 158,098 people. That doesn’t sound like much, but when cows outnumber humans 4 to 1, that equates to 59.4% of the population involved in private business. Tourism is big business for Vermont. Skiing in the winter, hiking and biking in the summer, miles of apple orchards in the fall, and catching much needed inner peace while fly fishing the spring run-off. One of the early adopters of what was then called “snurfing” because of the similarity to surfing on snow, snowboarding is very popular and several large design and manufacturing companies have set up home base in Vermont. But, accidents happen and Vermont has a solid support system of medical professionals to help with all the broken legs. They’re well versed in fishing hook removal too! Maple syrup is liquid gold to Vermonters, producing 35% of the country’s annual supply, much of it coming from home businesses and local farms. Wine production is a growing industry, with impressive vintages catching international attention. With Ben & Jerry’s ice cream HQ’d in Vermont, we can understand how residents would be ranked fifth happiest in the nation. What does surprise us is that they’re ranked the healthiest state in the country. High five for that kind of willpower! A supporter of the community, the company gives their ice cream overrun and waste to hog farmers, but their big guys turn up their snouts to Mint Oreo. We have questions, starting with how there could possibly be “extra” Mint Oreo? Ever. Workers compensation insurance is mandatory in Vermont, but you have choices. Cerity is there for small business owners when their chiropractors need their own adjustment after a tough newbie snurfer leaves their table, or a main street candy store apple artist gets a hot caramel scald. Protect your employees and yourself with Cerity.

Vermont Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of Vermonters employed by small businesses


number of workplace injuries

2 million

gallons of syrup produced each year


Vermont’s one area code to rule them all

40 million

number of apples produced each year

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.