This type of business liability insurance covers the most common risks, including customer property damage and injuries. Commercial leases often require this coverage.
This policy, also called errors and omissions insurance (E&O), protects New Hampshire businesses that provide professional services or advice. It covers lawsuits related to work performance.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for New Hampshire businesses that handle credit card numbers and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of NH business insurance.
State law requires workers’ comp for all New Hampshire businesses with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy protects business-owned vehicles in New Hampshire. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
State laws can affect which business insurance coverage you need. These policies are required everywhere in New Hampshire.
Business vehicles in New Hampshire do not need to be covered by commercial auto insurance. However, you must be able to prove you can meet the state's Motor Vehicle Financial Responsibility Requirements in the event of an at-fault accident.
If you purchase insurance, the state imposes coverage minimums. New Hampshire's minimum requirements for auto liability insurance are:
Trucking companies may need additional coverage to comply with regulations.
Personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to commercial general liability insurance or a business owner's policy.
Insureon's licensed agents can help you find policies that fulfill New Hampshire's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In New Hampshire, insurance agencies, agents, 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 National Association of Insurance Commissioners Lookup Search: enter New Hampshire, licensee, business entity, then our NPN or license number.