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 98.9% of all businesses in the state, according to the Small Business Administration. These small businesses collectively employ over 305,000 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.

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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.

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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.

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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.

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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).

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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.

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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. Lawn care specialists, on the other hand, do more predictable work from the ground level. In this scenario, the tree service business 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)
2023 New Hampshire Small Business Profile (U.S. Small Business Administration)

New Hampshire professions we insure

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

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.
Convenience

There are several ways to get a quote, whether you need a single New Hampshire policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.