Workers' Compensation Insurance in Vermont
Who needs a policy
Understanding Vermont requirements
Vermont employers generally must carry workers' compensation when they have one or more employees. Subcontractors can be treated as employees for comp purposes depending on control and the work performed. We review your crews, 1099 relationships and seasonal help so you stay compliant from Enosburg Falls to St. Albans. Hull Insurance Agency sets up coverage and certificates without slowing down your hiring.
What the coverage provides
Care and wage support after an injury
Workers' comp pays medical bills for job-related injuries or illnesses, replaces a portion of lost wages and can include rehabilitation and
return-to-work support. It protects your team and shields your business from most employee injury lawsuits. We will explain waiting periods, maximums and how claims are handled in Northern Vermont. Clear guidance helps everyone know what to expect.
Local scenarios we insure
Examples from our service area
A stocker slips on a wet floor in an Enosburg store.
A carpenter strains a back lifting on a Milton job.
A cook suffers a burn in a St. Albans kitchen.
Hull Insurance Agency coordinates care, claim reporting and any required OSHA documentation with your carrier.
How pricing and audits work
What affects your premium
Class codes, estimated payroll and experience mods determine price. We set up pay-as-you-go or traditional billing to match cash flow. Annual audits true up payroll to your actuals, and we prepare you so there are no surprises. Certificates are issued quickly for general contractors and landlords.s replacement cost versus actual cash value so you know how claims pay. Add rental reimbursement and continuing expenses if a key machine is down. Deductibles and theft-prevention requirements are tailored to your job mix.
Questions Vermont employers ask
How many employees trigger coverage
In most cases one or more employees creates the requirement. Family members and part-timers can still count. If you think you are exempt, we will review the details with you. Plan ahead before your first hire.
Do 1099 subcontractors count
They can, based on control of work and the nature of the job. Vermont looks beyond the tax form. We help you gather certificates from subs and set clear agreements. This limits audit surprises later.
Can I bundle comp with my other policies
Workers' comp is separate, but many carriers offer billing plans when you also place general liability and property. We coordinate everything so certificates and additional insured wording match. One team, fewer headaches.
What happens after an injury
Report promptly, seek care and keep communication open. We guide you through forms and follow-up. Modified duty can lower costs and help employees heal. We work with carriers that support return-to-work programs.
How do audits work
Audits compare estimated payroll to actual payroll by class code. Keep clean records for owners, officers and subs. We explain notices, deadlines and what to expect in Franklin and Lamoille County. Good prep keeps audits simple.
