Business Insurance in New Hampshire FAQ - Quick Answers

While you won't know your exact premiums for business insurance without quotes, you can take a look at the criteria carriers use to rate your policies below:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

While not every policy is required in order to operate a business, some are. In New Hampshire, you're required to carry workers' compensation insurance when you have one employee or more. A commercial auto policy is needed if you have any autos that are titled in the company name. As far as general liability, professional policies, and more, these policies usually aren't mandated by law, but are useful to consider for more protection.

Business insurance coverage will vary from entity to entity, but there are core policies that are common among business owners. Here are some policies that could apply to your operation:

In New Hampshire, general liability insurance is often the first policy you'll purchase. What is covered under this policy is listed below:

Health insurance for any small business is often optional. In New Hampshire, you are only required to offer health coverage when you have 50 employees or more. You may want to provide health insurance as an additional perk to your staff, and quotes can be done through your local independent agent

In New Hampshire, Nationwide, Hiscox, and Hanover insurance companies are rated among the best. This is due to their exceptional customer service and superior coverage offerings.

Do You Know What Your Business Insurance Covers in New Hampshire?

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National Business Insurance Stats

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29

CityNo. of businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars