This type of business liability insurance is important for all New Hampshire businesses. A general liability policy covers common third-party risks, and it's required by most commercial leases.
New Hampshire requires workers' comp for all businesses with one or more 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 and some types of damage.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a New Hampshire business.
A professional liability insurance policy provides financial protection against lawsuits related to work performance. It's also called errors and omissions insurance (E&O).
E&O, sometimes called professional liability insurance, is common with professional services in New Hampshire. It can cover the cost of lawsuits related to your 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.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
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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 [PDF] 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.
New Hampshire's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Contractors often need to carry general liability insurance or surety bonds to perform certain tasks, like plumbing or electrical work. Having the right types of business insurance helps you comply with state licensing requirements.
State law requires that attorneys either carry malpractice liability insurance with policy limits of $100,000 per claim and $300,000 annual aggregate, or to notify clients in writing if they don’t have this coverage.
Note that cities and counties may have their own laws, in addition to state laws.
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated insurance carriers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive coverage options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.