How much does property manager insurance cost in Vermont? (2026)

Recent rate-filing activity — 1 state filings across 1 commercial line

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting property manager operations, each cited to the regulator or bureau filing it came from.

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

National context — Property Manager insurance overview

A property manager's biggest exposure is not a slip-and-fall — it is a management decision. Fair-housing discrimination claims, wrongful evictions, and failure-to-maintain disputes are professional-service claims that general liability does not answer; errors & omissions (professional liability) does. The trap: E&O policies often sublimit fair-housing/discrimination claims well below a real settlement, so the limit matters as much as the coverage. Our own quote data shows these firms request general liability first — the page's job is to add E&O and check the discrimination sublimit.

As an industry-typical estimate, a property-management firm runs roughly $1,500–$6,000+/year across errors & omissions, general liability, directors & officers (for association management), and payroll-rated workers' compensation. No insurance bureau publishes property-manager premiums, so every dollar here is an estimate; each coverage fact is sourced to a named authority (III). Use the calculator below, then get a real quote in 5 minutes.

Industry-typical market ranges (national)

Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form

Coverage lines a property-management firm typically carries (industry-typical estimates):

• Errors & omissions (professional liability): the trade-defining line — defends fair-housing discrimination, wrongful-eviction, and failure-to-maintain claims GL will not; watch the discrimination sublimit. III professional liability.
• Directors & officers: board/association management decisions — not covered by E&O or GL. III commercial general liability.
• General liability: third-party bodily injury and property damage at managed premises. III commercial auto.
• Workers' compensation: required in most states once the firm hires. III workers comp.

Units under management, association vs. rental mix, and eviction/discrimination exposure are primary rating factors.

For Vermont-specific direction, see the filed-rate table above.

Get your actual Vermont quote in 5 minutes

The data above is regulator-filed direction. Your actual Vermont quote depends on class code, payroll, experience modifier, and the LCM each carrier files.

More Vermont rate-filing detail

• All Vermont commercial rate filings (every line, every recent filing) — the broader rate-data view for Vermont
• Rate filings by state — directory of all 47+ states with active filings
• National Rate Change Tracker — every filing across every state, sortable

Get a real Vermont quote for property manager

The data above shows the regulator-filed direction for Vermont. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Related guides

• General Liability glossary entry
• Class Code glossary entry
• Our sourcing methodology

Sources cited (national context above)

1. Professional Liability Insurance — Insurance Information Institute (III), 2024
2. Commercial General Liability Insurance — Insurance Information Institute (III), 2024
3. Commercial Auto Insurance — Insurance Information Institute (III), 2024
4. Workers Compensation Insurance — Insurance Information Institute (III), 2024