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Workers' Compensation

In Vermont, two separate state agencies divide regulatory oversight of the Worker's Compensation system. The Department of Financial Regulation - Insurance Division regulates issues relating to insurers and the insurance market and the Department of Labor deals with program administration and issues relating to claims. The resources on this page are primarily for Vermont business owners and insurance industry members.

Check the Department of Labor website for training and other events relating to Workers Compensation issues.

Who to Call for Assistance

Employers with coverage issues or other problems with their insurance company? Contact the Insurance Division Consumer Services Section at 800-964-1784 or

Claim related questions? Please contact the Vermont Department of Labor at 802-828-2286 or

Loss Costs and Assigned Risk Rates

LCM (Loss Cost Modifier) Adoption and Filing Forms:

Protected Formatting Note: Please note that the Insurance Division has posted Loss Cost and Assigned Risk Rate pages as a convenience to Vermont citizens and other interested parties. However, they are copyrighted products of the NCCI (National Council on Compensation Insurance Inc.). The NCCI provides the documents to Department of Financial Regulation in a protected format, which does not permit you to print or search the document. To inquire about obtaining this data in an unprotected format, please contact the NCCI directly at 800-622-4123. You may also contact Rosemary Raszka: 802-828-1686 or or Jessica Sherpa: 802-828-2908 or

Latest Loss Cost Multipliers as Filed by Carriers

2023 Loss Cost Multiplier Report

2023 Advisory Loss Costs

2023 Assigned Risk Rates Sheets

2022 Loss Cost Multiplier Report 
2022 Advisory Loss Costs
2022 Assigned Risk Rates Sheets

2021 Loss Cost Multiplier Report 
2021 Advisory Loss Costs
2021 Assigned Risk Rates Sheets

Other Notes and Postings

Workers' Compensation Adjusters Performance Standards Report
Techniques to Stabilize Workers' Compensation
Workers' Compensation - A Classy Line

H.632, the Workers' Compensation Bill, alters certain requirements for farmers (changes payroll threshold), sole proprietors (alters the test for) and small corporations (provides for an opt out under certain conditions). The changes took effect May 26, 2004. See explanatory memos:

Note: Effective 07/01/12 Vermont's General Assembly established that contributions from employers will be remain at  1.75% of the direct calendar year premium for workers' compensation insurance. Please contact the Vermont Department of Labor for more information.