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Business Insurance in New Hampshire
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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.
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.
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
General liability insurance
This policy is important for all New Hampshire businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel or slander lawsuits
Professional liability insurance
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This policy helps New Hampshire businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a New Hampshire business.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
Workers’ compensation insurance
State law requires workers’ compensation insurance for all New Hampshire businesses with employees. It can cover medical costs for work injuries and illnesses.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Commercial auto insurance
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.
BEST FOR
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
How much does small business insurance cost?
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
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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