How Do I Know If My Employer Is Covered By Workers' Compensation?

Generally, unless your employer has been approved to self­insure by the Department of Labor and Industry, they must buy worker`s compensation insurance if they hire one or more employees on a full or part time basis in Vermont, or they hire employees outside the state but they work for you in Vermont. Some exceptions to this are the following:

  • Farmers with less than $2,000 annual payroll.
  • Elected Officials
  • Unincorporated sole­proprietors/partners
  • Corporate Officers who have been approved to be excluded by the Workers`
  • Compensation Division.
  • Casual employment (e.g. youth mowing lawn or babysitting)
  • Amateur sports groups (e.g. sponsor of local ball team)
  • Family members of an unincorporated employer if you live within the employer`s home.
  • Work in someone`s home (e.g. medical care for a family member within the home)
  • Real estate broker or real estate sales person on commission

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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