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Business Insurance in New Hampshire
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Recommended small business insurance policies in New Hampshire
General liability insurance
This type of business liability insurance covers the most common risks, including customer property damage and injuries. Commercial leases often require this coverage.
BEST FOR
- Personal injury lawsuits
- Bodily injury lawsuits
- Libel and other advertising injuries
Professional liability insurance
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.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
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.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Business owner’s policy
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.
BEST FOR
- Customer bodily injuries
- Damaged customer property
- Business property damage and theft
Workers’ compensation 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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from 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 vehicles
- Theft of a commercial vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
New Hampshire business insurance requirements
State laws can affect which business insurance coverage you need. These policies are required everywhere in New Hampshire.
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 costs for work-related injuries and illnesses. It also provides disability benefits to injured New Hampshire workers.
Commercial auto insurance
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:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
- $50,000 uninsured motorist coverage per accident
- $25,000 uninsured motorist coverage per person
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.
How much does small business insurance cost?
Commercial insurance can be affordable for New Hampshire small business owners. Factors that influence the cost include:
- Type of business
- Business operations and location
- Number of employees
- Types of business insurance purchased
- Policy limits and other coverage options
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Find the right policies and get your certificate of insurance
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.