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Last-mile delivery insurance in Vermont

Beginning July 1, 2018, 23 V.S.A. § 750 requires $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on and not on a prearranged ride. On a prearranged ride it requires $1 million liability, $1 million uninsured and underinsured motorist coverage, and $5,000 medical payments. The section recognizes use of a vehicle to transport passengers for compensation. Section 751 separately tells the company to collect proof of financial responsibility in the amounts the company requires, which can sit above the statutory floor. 1,2

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

Vermont Requirements

RequirementDetails
Logged on, not on a prearranged ride$50,000 / $100,000 / $25,000 1
Prearranged ride$1 million liability, $1 million UM/UIM, and $5,000 medical payments 1

What to Watch for in Vermont

  • The Ride Needs Three Coverages, Not One Limit

    Section 750 does not stop at $1 million liability. The prearranged ride also needs at least $1 million uninsured and underinsured motorist coverage and $5,000 medical payments. A liability-only quote misses two of the three on-ride requirements. The logged-on period stays at $50,000/$100,000/$25,000. 1

  • The Company Can Require More Than the Statute

    Section 751 says the driver application must include proof of financial responsibility for the personal vehicle of a type and in the amounts required by the company, and the company must confirm automobile liability insurance. The statutory floor in § 750 is not a promise that the company's own prerequisite is the same number. Ask for the company's required amounts before you bind only the statute. 2

  • The July 1, 2018 Duty Is Passenger Transportation

    Section 750 requires insurance that recognizes the driver uses a vehicle to transport passengers for compensation. A parcel or grocery delivery is not that passenger trip. The $1 million ride package is not a goods-delivery minimum. 1

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. 3,4,5

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. 6,7

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Vermont

  1. Does the on-ride quote include $1 million liability, $1 million UM/UIM, and $5,000 medical payments?
  2. What financial-responsibility amounts does the company require under § 751, beyond the statutory floor?
  3. Is the trip passenger transportation, or a goods delivery § 750 does not describe?

Last-Mile Delivery in Vermont: FAQ

Does Vermont require only $1 million of liability during a prearranged transportation-network ride? 1

No. Section 750 also requires $1 million uninsured and underinsured motorist coverage and $5,000 medical payments on that ride. 1

Can a Vermont transportation network company require proof of insurance above the statutory amounts? 2

Yes. Section 751 requires proof of financial responsibility in the amounts required by the company. 2

Last-Mile Delivery in Other States

Other Coverage in Vermont

Sources

  1. 23 V.S.A. § 750 Definitions; insurance requirements. Vermont General Assembly; subsections (b) and (d). Accessed 2026-09-29.
  2. 23 V.S.A. § 751 Driver requirements; background checks. Vermont General Assembly; Subsection (a)(4), proof of financial responsibility in the amounts required by the company. Accessed 2026-09-29.
  3. Vermont Department of Financial Regulation. Vermont Department of Financial Regulation; Official regulator website; insurance oversight and consumer/professional resources. Accessed 2026-09-28.
  4. Insurance Department Directory. National Association of Insurance Commissioners; Vermont Department of Financial Regulation entry; official contact and website listing. Accessed 2026-09-28.
  5. Surplus Lines Insurance Premium Taxes. National Association of Insurance Commissioners; VT row; state surplus-lines premium-tax rate reviewed October 2025. Accessed 2026-09-28.
  6. Guaranty Associations & Funds. 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.
  7. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  8. Licenses and Carriers. 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.
  9. Insurance Producer 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.
  10. About Hiscox US 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.
  11. 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.
  12. Insurance Licenses by State. 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.
  13. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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