--- title: "Commercial Auto Insurance in Vermont" description: "Vermont’s registered-vehicle liability floor is $25,000/$50,000/$10,000, with separate proof rules for oversize permits." canonical: "https://spot.insure/coverage/commercial-auto/vermont" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/vermont) # Commercial Auto Insurance in Vermont Vermont requires a $25,000/$50,000/$10,000 liability policy or bond for a motor vehicle required to be registered and operated on state highways; qualifying self-insurance is a $115,000 alternative filed with DMV. DMV generally does not keep a commercial certificate on file, but requires proof when you request a Super Load Permit or a blanket permit for a move at least 100 feet long.[^1][^2] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [Vermont](/coverage/states/vermont) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## Vermont Requirements | Requirement | Details | | --- | --- | | Liability policy or bond for a registered vehicle | $25,000 one person / $50,000 two or more people / $10,000 property damage per crash[^1] | | Evidence of self-insurance in lieu of policy or bond | $115,000 filed with the Commissioner of Motor Vehicles[^1] | | Insurance proof for specified oversize permits | Required with a Super Load Permit request or a blanket permit for a load at least 100 feet long[^3] | ## What to Watch for in Vermont ### Keep Proof With Every Registered Unit Vermont requires every operator of a vehicle required to be registered to carry proof of financial responsibility while driving. A driver cited for not showing proof can avoid conviction by producing evidence that coverage was already in effect within seven business days after the stop; keep a current card or electronic proof accessible in each cab.[^1] ### Attach Proof To Superload And Long Blanket Requests Vermont DMV says it does not generally keep certificates on file, but asks for proof when you request a Super Load Permit or a blanket permit for a move at least 100 feet long. Put the certificate into those permit applications instead of assuming a fleet filing already satisfies the request.[^2][^3] ### Confirm The DMV Self-Insurance Evidence Is On File Vermont’s statutory alternative is evidence of $115,000 self-insurance filed with the Commissioner and maintained in DMV-prescribed form. A fleet’s balance sheet or an internal risk-retention decision alone is not the filing described in §800(a).[^1] ### Check The Superload Dimensions Before Applying DMV identifies a Super Load at 150,000 pounds or more, 100 feet long or longer, 15 feet wide or wider, or 14 feet high or higher. Ask the permit preparer to check all four measurements because any one reaches the threshold for proof with the permit request.[^3] ## Who Regulates Insurance in Vermont **Vermont Department of Financial Regulation.** The Vermont Department of Financial Regulation administers Vermont insurance laws, oversees insurers and insurance producers within its authority, and provides regulatory and consumer resources. You can use the department's complaint process to raise an insurance issue and its licensing resources to check insurance professionals.[^4][^5][^6] - [Regulator website](https://dfr.vermont.gov/insurance) - [License lookup](https://nipr.com/licensing-center) - [File a complaint](https://content.naic.org/state-insurance-departments) ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of premium The NAIC's state chart lists a 3% of premium charge for surplus-lines coverage for Vermont (the chart's state entries were reviewed in October 2025). Your broker may collect the applicable amount with the premium. Surplus-lines insurers are not licensed in the state and generally are outside state guaranty-association protection; ask your broker to explain the insurer's financial protections and any diligent-search requirement that applies to your placement.[^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Vermont; [check the regulator’s license lookup](https://nipr.com/licensing-center) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^11] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^14] ## Questions to Ask Before You Buy in Vermont 1. Does each Vermont-registered unit have current proof in the cab, including when drivers use an electronic insurance card? 2. Will any planned move reach a Super Load threshold or use a blanket permit at least 100 feet long, and is the certificate attached to that request? 3. If we use Vermont’s self-insurance route, can you confirm the $115,000 evidence was filed with DMV in the prescribed form? ## Commercial Auto in Vermont: FAQ ### What are Vermont’s minimum auto liability limits? For a vehicle required to be registered and operated on Vermont highways, §800(a) requires at least $25,000 for one person, $50,000 for two or more people, and $10,000 for property damage per crash, or qualifying filed self-insurance.[^1] ### Does Vermont require a commercial auto certificate on file for every fleet? No. Vermont DMV says proof is required when requesting a Super Load Permit or a blanket permit for a move at least 100 feet long; the state does not generally require proof to remain on file with DMV.[^3] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kansas](/coverage/commercial-auto/kansas) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in Vermont](/coverage/states/vermont) ## Sources [^1]: [23 V.S.A. §800, Maintenance of financial responsibility](https://legislature.vermont.gov/statutes/section/23/011/00800) — Vermont General Assembly; Subsection (a), currently effective text; liability amounts and $115,000 self-insurance evidence; subsection (c), proof carried by operator and seven-business-day evidence rule; amendment by 2023 No. 85 (Adj. Sess.) §279 effective July 1, 2024. Accessed 2026-09-28. [^2]: [Do I Have to Maintain a Certificate of Insurance on File?](https://dmv.vermont.gov/content/do-i-have-maintain-certificate-insurance-file) — Vermont Department of Motor Vehicles; DMV FAQ dated August 30, 2022; general no-file rule and two permit exceptions, still presented on current FAQ page. Accessed 2026-09-28. [^3]: [Blanket Permit - Annual](https://dmv.vermont.gov/CVO/permits/blanket-permit-annual) — Vermont Department of Motor Vehicles; Permit definition; Super Load thresholds; insurance-proof exceptions for Super Load and blanket permits at least 100 feet long. Accessed 2026-09-28. [^4]: [Vermont Department of Financial Regulation](https://dfr.vermont.gov/insurance) — Vermont Department of Financial Regulation; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28. [^5]: [Insurance Department Directory](https://content.naic.org/sites/default/files/publication-ins-ou-insurance-directory.pdf) — National Association of Insurance Commissioners; Vermont Department of Financial Regulation entry; official contact and website listing. Accessed 2026-09-28. [^6]: [Licensing Center](https://nipr.com/licensing-center) — National Insurance Producer Registry; State producer licensing and lookup resources. Accessed 2026-09-28. [^7]: [Surplus Lines Insurance Premium Taxes](https://content.naic.org/sites/default/files/model-law-chart-zz-7-surplus-lines-insurance-premium-taxes.pdf) — National Association of Insurance Commissioners; VT row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28. [^8]: [Guaranty Associations & Funds](https://content.naic.org/cipr-topics/guaranty-associationsfunds) — National Association of Insurance Commissioners; Coverage of claims from insolvencies of insurers licensed in a state; surplus-lines insurers are nonadmitted. Accessed 2026-09-28. [^9]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^10]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^11]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^12]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^13]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^14]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^15]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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