NH Business Insurance

Choose The Hartford for Your New Hampshire Business Insurance Needs

In 2017, New Hampshire had 132,432 small businesses throughout the state, making up 99% of NH businesses. New Hampshire small businesses employed 289,914 people, or 51.5% of the private workforce, in 2014.1 Each of these businesses probably needs small business insurance for a variety of reasons. Many times it may be required by the state. The Hartford has been providing small business insurance to NH businesses for hundreds of years. Learn more about business insurance from The Hartford and why over 1 million small businesses have turned to The Hartford for their business insurance needs.

Types of NH Business Insurance Offered

Business Owner’s Policy in New Hampshire

A Business Owners’ Policy, also referred to as a BOP, combines three essential coverages – business property insurance, general liability insurance coverage and business income insurance all under one powerful policy. BOP insurance can help protect your NH small business from claims resulting from fire, theft or another covered disaster as well as from claims involving bodily injury or property damage. A Business Owner’s Policy can also help cover against personal and advertising injury that could arise from your business’ operations. NH businesses can tailor a BOP to address their unique business risks by adding additional coverages to their policy.
Consider a business owner’s policy for your NH small business if for example:
  • Your NH small business has property that can be damaged or stolen, including office equipment or furniture, as well as cash, inventory or customer data.
  • Your NH small business could be sued by a customer who was 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 from The Hartford helps cover the costs of a data security breach for things like identity protection solutions, legal fees, public relations and more depending on the coverage you choose for your NH small business. You want data breach coverage in place before an attack because quick action is critical to helping restore the public’s confidence if your NH small business is victimized by an online attack. Data breach insurance from The Hartford offers not only quick responses when a data breach occurs but can help your New Hampshire business prepare for and take steps to help prevent data breaches as well.
Consider data beach insurance for your New Hampshire business if for example:
  • Your company stores personal or proprietary information that if released, either accidentally or by nefarious means, could put your company, employees or customers at risk.
  • Your business keeps medical or patient records, including credit card information, in its database – which cyber hackers would find attractive.

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, help replacing lost wages due work time off for recovery, and more. Workers’ compensation insurance may also cover a deceased worker’s family with a financial benefit.
Workers’ compensation insurance can help protect your New Hampshire small business and employees if, for example:
  • An employee injures her neck lifting a box of office supplies and requires medical attention, physical therapy and time off work.
  • An employee slips on the wet stairs walking into the office, injuring himself and requiring weeks of recovery time following an emergency room visit.
  • An employee gets in an auto accident returning to the office from a client meeting and requires an ambulance ride and hospitalization.

NH Minimum Business Insurance Requirements

Under New Hampshire’s labor laws, there is a requirement that all workers in New Hampshire must be covered by workers’ compensation insurance. This requirement applies to anyone stopping and working in the state. Workers’ Compensation coverage is not needed for volunteer workers in the state of New Hampshire. If your employees travel outside of the country a couple of times a year, for 3-4 days, the standard workers’ compensation policy will provide statutory state coverage in NH.2 Learn more about NH business insurance requirements.

Additional Connecticut Business Insurance Links

Get a quote on Small Business Insurance for your business today.
1 https://www.sba.gov/sites/default/files/advocacy/New_Hampshire_1.pdf
2 https://www.nh.gov/insurance/pc/workerscomp/faq.htm
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.