Partly. Vermont requires workers’ compensation once you have one employee, even part-time, and liability coverage on business vehicles. General liability and property coverage are not state mandates. Landlords, lenders, clients, and licensing boards commonly require them by contract, which makes them essential in practice.
https://advocacy.sba.gov/wp-content/uploads/2025/06/Vermont_2025-State-Profile.pdf
https://dmv.vermont.gov/enforcement-and-safety/laws/insurance
