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Insurance requirements and costs for trucking in Vermont.
Vermont follows federal minimums: $750,000 for general freight, $1 million for hazmat. Vermont follows a modified comparative fault system (51% bar). Total annual insurance for a Vermont owner-operator runs $10,000-$17,000. Primary liability averages $7,000-$12,000. The state's small population and rural character produce moderate jury verdicts. Workers' comp is required for all employers — premiums average $10-$15 per $100 of payroll. Owner-operators need occupational accident insurance at $130-$350/month.