The top-rated commercial insurance agent in Middlebury, Vermont is Carter Insurance Agency, LLC, rated 5.0 stars across 164 reviews. Other highly rated options include Jim Soriano - State Farm Insurance Agent, IPJ Real Estate, Co-operative Insurance Companies. This directory lists 11 commercial insurance agents serving Middlebury.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Carter Insurance Agency, LLC | 1396 US-7 | (802) 385-1189 |
| 2 | Jim Soriano - State Farm Insurance Agent | 57 Court St | (802) 388-3276 |
| 3 | IPJ Real Estate | 34 Main St | (802) 388-4242 |
| 4 | Co-operative Insurance Companies | 292 Colonial Dr | (800) 388-6638 |
| 5 | Laberge Insurance Inc | 1 Washington St | (802) 388-2772 |
| 6 | Direct Travel - Middlebury | 73 Main St #1 | (802) 388-3125 |
| 7 | Holden Financial Services, Inc | 94 Court St | (802) 388-4992 |
| 8 | The Richards Group | 152 Maple St UNIT 203 | (802) 254-6016 |
| 9 | Farm Credit East | 320 Exchange St | (802) 388-2692 |
| 10 | Bourdon Insurance Agency, Inc. | 48 Merchants Row | (802) 388-4837 |
Offering commercial insurance to business owners throughout Bristol, Carter Insurance Agency, LLC also assists individuals with residential coverage to fully meet community needs. Policies are structured to protect against common operational risks local enterprises face, including property damage and liability concerns. Serving Vermont clients, this agency provides tailored endorsements for contractors, retailers, and service providers. Account representatives are available for follow-up service, policy review, or claims support between regular visits.
Jim Soriano—State Farm Insurance Agent serves businesses in Addison County from its Middlebury, Vermont office. The agency helps local enterprises secure commercial insurance coverage tailored to their specific operational risks and liability concerns. Clients can obtain policies that protect their property, equipment, and inventory from unexpected losses. The agency also guides business owners through the process of selecting appropriate general liability policies. Professional liability insurance and workers’ compensation coverage are among the specific commercial services it handles for the area’s small and medium-sized businesses.
IPJ Real Estate serves homeowners, businesses, and property managers in Middlebury, Vermont, who need commercial insurance for rental properties, main street storefronts, or professional liability. The agency helps clients assess coverage requirements for building structures, commercial auto, and general liability exposures common to this region of Addison County. Its work frequently involves tailoring policies to protect local enterprises from weather-related risks and seasonal shifts. IPJ Real Estate also extends its commercial insurance services to clients in the neighboring community of Bristol.
Co-operative Insurance Companies provides a full range of commercial insurance options for local businesses, including general liability, property, and workers’ compensation coverage. Its service plans focus on risk assessment, policy customisation, and claims assistance to help clients manage everyday operational exposures. Located in Middlebury, VT, the agency regularly reviews coverage limits and policy terms to account for changing business needs. Its services cover a variety of commercial properties, such as single-family homes used for business, apartment complexes, retail stores, and local restaurants.
Serving Middlebury and the surrounding Addison County communities, Laberge Insurance Inc provides commercial insurance agent services to local businesses. The company handles a range of coverage needs, including general liability, property protection, and workers’ compensation policies tailored to various industries. Every client situation receives a careful risk assessment to identify specific exposures and coverage gaps. This evaluation then informs a clear, customized selection of policy options that address the unique operational challenges each business faces.
Direct Travel in Middlebury connects clients with one-time policies for single events or recurring, long-term protection plans, and develops commercial coverage for businesses of various sizes. Agents assess each company’s specific exposures to recommend suitable liability, property, and vehicle options. They also help manage ongoing policy changes as operations grow. Service for consultations and new quotes operates by appointment on an as-needed basis, while active accounts receive scheduled renewals and periodic risk reviews throughout the year.
Holden Financial Services, Inc. specializes in commercial insurance for area businesses, offering tailored coverage for property, liability, and workers compensation. The agency also handles general risk management and claims assistance for a variety of local industries in Middlebury, Vermont. As winter approaches, the firm helps businesses prepare for seasonal hazards, including icy parking lot liability and snow-related property damage, ensuring year-round operational stability.
The Richards Group provides commercial insurance in Middlebury, Vermont, helping businesses manage their general liability and property exposures. It offers specialized coverage options such as business interruption insurance and cyber liability protection. Tailored professional liability policies further address risks unique to specific operations. This agency regularly works with local enterprises including office complexes, warehousing and distribution centers, and full-service food establishments.
Vermont farmers face tight seasonal windows for planting and harvest. Farm Credit East in Middlebury addresses these time-sensitive pressures with commercial insurance coverage tailored for agribusiness operations. Their team designs policies that protect equipment, livestock, and crops against weather-related losses common in the Champlain Valley. Annual renewal discussions include updated valuations for fluctuating commodity markets. An agent begins by scheduling an on-farm inspection to document current structures and machinery.
Bourdon Insurance Agency, Inc. in Middlebury, Vermont provides commercial insurance agent services to area businesses. Its work includes analyzing client operations to identify liability exposures and securing appropriate property coverage. As a local agency with regional market knowledge, it can specialize in adding protections such as business interruption insurance and commercial auto policies. This agent serves a variety of commercial sectors, including professional offices, warehouses, retail establishments, contracting firms, and food service operations.
What Does a a Commercial Insurance Agent in Middlebury Cost?
Commercial insurance costs in Vermont vary by business type size and location. A small retail shop in Middlebury might pay 500 to 1500 dollars per year for general liability. Workers compensation premiums depend on payroll and industry class code with rates set by the Vermont Department of Financial Regulation. Costs for a typical small business package often range from 1000 to 5000 dollars annually. This is general information not insurance advice.
About commercial insurance agents in Middlebury
Commercial insurance agents in Middlebury Vermont help local businesses secure coverage for property liability and workers compensation. Vermont law requires employers to carry workers compensation insurance for most employees. An agent can guide you through Vermont specific requirements and find policies that fit your business needs.
Frequently Asked Questions
What types of commercial insurance do Middlebury businesses typically need?
Common coverages include general liability property insurance and workers compensation. Vermont law mandates workers compensation for businesses with one or more employees. Many businesses also need commercial auto insurance and professional liability coverage.
How does Vermont workers compensation insurance work for small businesses?
Vermont requires all employers with one or more employees to carry workers compensation insurance. This includes part time and seasonal workers. An agent can help you understand your obligations and find a policy that meets Vermont Division of Workers Compensation rules.
Can a commercial insurance agent help with Vermont specific business risks?
Yes. Agents in Middlebury understand local risks like winter weather damage to property and liability from outdoor recreation. They can also advise on coverage for agricultural operations which are common in Addison County.