Does the 5-Day Pass include insurance?

Yes, it includes liability insurance.

5-Day Resident and 5-Day Non-Resident Passes that are available for purchase include VT State liability insurance. At the time of purchase the 5-consecutive-day window must be established and insurance documentation must be completed. The TMA Decal for the 5-Day Pass must be placed on the windshield of your snowmobile rather than the cowl.

Hope that helps...Think Snow....