Vermont sets no tow-specific insurance minimums and no intrastate for-hire property-carrier schedule — the general $25,000/$50,000/$10,000 mandatory liability floor applies. There is no Form E or carrier insurance filing in Vermont.
Law: 23 V.S.A. § 800(a) · 23 V.S.A. § 800(a), § 801
VT sets no tow-specific insurance minimums and no intrastate for-hire property-carrier insurance schedule. General floor is 23 V.S.A. § 800(a) (25/50/10). Title 23 Ch. 11 covers general financial responsibility plus jitney/motor-bus/school-bus insurance (passenger only). H.143 (2023) proposed a towing act with $100,000 liability + $50,000 custody liability but was never enacted. Municipalities may authorize vehicle-removal ordinances under 23 V.S.A. § 1753, which sets no insurance amounts. VT is a UCR non-participating state. Interstate for-hire property carriers remain subject to federal 49 CFR Part 387. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Vermont →Independent-contractor test: No general statutory IC test in the current WC chapter. The operative rule is the § 601(14)(F) six-condition exclusion for sole-proprietor/partner owners. (See Notes — the 7-factor "economic reality" test was a bill, not law.)
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.