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    New Hampshire Business Insurance

    New Hampshire state laws may require you to carry certain types of small business liability insurance. Learn what coverage is needed and how to save by comparing quotes with Insureon.

    Business Insurance in New Hampshire

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    Get small business insurance for your New Hampshire business

    Learn about New Hampshire's insurance requirements

    Complete one free online application

    Compare multiple quotes and choose the best coverage

    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.


    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.


    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.


    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.


    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.


    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.


    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

    Source : www.insureon.com

    Business Insurance in New Hampshire

    The Hartford has been providing business insurance for New Hampshire businesses for over 100 years. Learn how to protect your business and employees with NH commercial insurance and request a quote from a top business insurance company.

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    Business Insurance in New Hampshire

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    Choose The Hartford for Your New Hampshire Business Insurance Needs

    In 2019, New Hampshire had 134,760 small businesses, making up 99% of companies throughout the state. These businesses employed over 295,000 people, making up almost half of the private workforce.1 Each of these small companies need business insurance for a variety of reasons, and many times it’s required by the state.

    We’ve been providing small business insurance to NH companies for hundreds of years. So, whether you need business insurance in Manchester NH or any other city or town in the state, you can count on us to get the coverage you need.

    Learn more about business insurance, why it’s so important and how it can keep you protected.

    Types of NH Business Insurance Offered

    Professional Liability Insurance in NH

    Your professional liability insurance is also known as errors and omissions insurance or E&O coverage. It’s a highly recommended policy because it helps protect your business from claims of negligent acts, errors or omissions related to the professional services your business provides.

    For example, if one of your employees negligently gives inaccurate professional advice to a client that ends up costing them money, your professional liability coverage can help pay legal costs they sue you.

    General Liability Insurance in NH

    General liability insurance is sometimes referred to as business liability insurance. It can help protect your business from liability claims resulting in:

    Bodily injury Property damage

    Personal and advertising injury

    So, if a customer accidentally slips and breaks their leg while shopping at your store, this coverage can help pay for their medical bills.

    Do You Need to Have Business Liability Insurance in NH?

    While New Hampshire doesn’t require business liability insurance by law, it is a needed coverage for most business owners. This coverage can help pay the repair costs if your employee accidentally damages a customer’s property while working at their home.

    Business Owner’s Policy in New Hampshire

    A Business Owners’ Policy, also referred to as a BOP, combines these three essential coverages under one policy:

    Business property insurance

    General liability insurance

    Business income insurance

    BOP insurance can help protect your NH small business from claims resulting from:

    Fire Theft Bodily injury

    Property damage to others

    A Business Owner’s Policy can also help cover against personal and advertising injury that could arise from your company’s operation. NH businesses can tailor a BOP to address their unique risks by adding additional coverages to their policy.

    Consider a Business Owner’s Policy for your NH small business if:

    You have property like office equipment, furniture, cash, inventory or customer data that can be stolen.

    A customer could sue your NH small business if they’re hurt at your workplace.

    Your NH small business has a physical location, such as an office or storefront, that you own or rent.

    New Hampshire Data Breach Insurance

    Data breach insurance and cyber liability insurance coverage can help pay for data breaches. It’ll help cover costs for things like:

    Legal costs if your business gets sued for losing confidential or sensitive data

    Credit and fraud monitoring

    Public relations expenses

    You’ll want data breach coverage before a cyber attack because it’ll help you restore the public’s confidence in your NH small business if you sustain a data breach.

    Consider data beach insurance for your New Hampshire business if your company stores personally identifiable information, including:

    Medical or patient records

    Credit card information

    Workers’ Compensation Insurance in New Hampshire

    Workers' compensation insurance, also called workman's comp insurance, provides benefits to employees for work-related injuries or illnesses including:

    Medical care

    Replacing lost wages from time off for recovery

    Funeral benefits

    Workers’ compensation insurance can help protect your New Hampshire small business if an employee:

    Injures her neck lifting a box of office supplies and requires medical attention, physical therapy and time off work.

    Slips on wet stairs while walking into the office, injuring himself and requiring weeks of recovery time following an emergency room visit.

    Gets in a car accident while returning to the office from a client meeting and requires an ambulance ride and medical care.

    Minimum Requirements for Business Insurance in New Hampshire

    Source : www.thehartford.com

    New Hampshire Business Insurance

    Protect your small business with a customized New Hampshire business insurance policy through the Progressive Advantage® Business Program. Get a quote for a variety of commercial insurance coverages including general liability, professional liability, workers' compensation and more.

    New Hampshire Business Insurance

    New Hampshire Business Insurance Customized protection for your New Hampshire business

    New Hampshire business owners should consider several types of business insurance to protect against a variety of work-related incidents. Property damage, customer injury and employee illness are just a few of the many things that could result in debts that could put your livelihood at risk.

    There are over 136,000 small businesses in New Hampshire that account for 99% of all businesses in the state, according to the Small Business Administration. These small businesses collectively employ over 300,000 people and are required by state law to protect them with Workers’ Compensation insurance.

    Shop for workers’ compensation, general liability and more through the Progressive Advantage® Business Program. Our licensed specialists can help you get a quote that meets your needs.

    Types of NH business insurance

    General Liability


    This is the most common business insurance coverage and nearly all businesses in New Hampshire should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

    More info

    Commercial Auto


    Commercial auto provides liability and physical damage coverage for your business vehicles. Most personal auto policies don’t cover vehicles used for business, which includes transporting supplies or traveling between job sites.

    More info

    Workers' Compensation


    Businesses in New Hampshire are required to have workers' comp insurance if they have employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

    More info

    Business Owners Policy (BOP)


    A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property such as a storefront, warehouse or office building.

    More info

    Professional Liability


    New Hampshire businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

    More info

    Cyber Insurance


    This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

    More info

    Browse for New Hampshire business insurance by your profession.

    Get Started

    How much does business insurance cost in New Hampshire?

    The cost of a New Hampshire business insurance policy depends mostly on the type of work that you do. Businesses are usually rated on the exposures that are unique to their industry. For example, tree services perform complex work high off the ground. A lawn care specialist, on the other hand, does more predictable work from the ground level. In this scenario, the tree service is exposed to more risk and will likely pay more for coverage.

    Other factors that affect your rate include coverage needs, business size and location. For example, a business in Manchester can expect a different rate than one in Keene, or a business that needs higher coverage limits will pay more than a business that doesn’t.

    Learn more about the factors that influence business insurance rates. You can also get a quote online to find out what you’ll pay for your unique situation.

    New Hampshire business insurance requirements

    Most coverages aren’t required by New Hampshire state law except for workers’ compensation. Any business that has employees is required to purchase coverage through a private insurance carrier.

    While New Hampshire doesn’t require you to have other business coverages, such as a BOP or general liability, many prospective clients and landlords do. Their contracts usually specify the types and amounts of coverage you’ll need before you can begin work with them.

    Resources for New Hampshire small business owners:

    Workers’ Compensation in New Hampshire (NH Department of Labor)

    Workers’ Comp FAQs (NH Department of Labor)

    2020 New Hampshire Small Business Profile (Small Business Administration)

    New Hampshire professions we insure

    We help small business owners from a wide variety of industries, including these common professions:

    Contractors Restaurants Accountants Consultants Landscapers Cleaning services Barber shops Beauty salons

    Browse more examples of professions we insure.

    Why choose Progressive?

    Options – We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.Experts – As the #1 Commercial Auto Insurer in America*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.

    Source : www.progressivecommercial.com

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