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Business Insurance in New Hampshire

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Learn about New Hampshire's insurance requirements

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What are the requirements for small business insurance in New Hampshire?

State laws can affect which insurance policies you need for your small business. These policies are required for New Hampshire businesses.
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Workers' compensation insurance

New Hampshire state law requires all businesses with employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Business-owned vehicles in New Hampshire do not need to be covered by commercial auto insurance. If you decide to purchase insurance, however, the state imposes coverage minimums. New Hampshire requires:

  • Property damage liability: $25,000 per accident
  • Bodily injury liability: $50,000 per accident / $25,000 per person
  • Medical payments coverage: $1,000
  • Uninsured motorist coverage: $50,000 per accident / $25,000 per person / $25,000 property damage

Personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in New Hampshire

Looking for different coverage? See more policies.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small New Hampshire business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in New Hampshire business insurance

In New Hampshire, insurance agents, agencies, and brokers are licensed by the New Hampshire Insurance Department. Insureon is licensed in New Hampshire as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 2071062). Verify our licensure with the New Hampshire Insurance Department Licensee Look-up.

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