How does workers' comp work in New Hampshire?

In New Hampshire, the most recent rates on Workers' Compensation Insurance were eighteen percent cheaper than the national average. These rates have risen ten percent since 2010.

Because New Hampshire has historically enjoyed such low rates on workers compensation coverage, many business owners have not shopped around their policy in quite a while. While it can be beneficially to maintain a long standing relationship with one carrier your business may be leaving a lot of money on the table by not shopping around.

At Workers Compensation Shop.com we partner with more than a dozen carriers who are actively quoting businesses in the state of New Hampshire. These insurance carriers are ready and eager to quote your businesses workers comp policy. Because we work with so many carriers, not just a select few like most agencies, we can shop your policy around to find better coverage and lower rates.

Don't get stuck paying too much for your Work Comp Coverage. Call today for a free no obligation quote of your Workers Compensation Insurance Policy 888-611-7467.

Workers' Comp Rules & Information for New Hampshire

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

New Hampshire Department of Labor

Workers' Compensation Division
95 Pleasant Street
Concord, NH 03301
603-271-2042

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

NH Assigned Risk Coverage

New Hampshire partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. They are the nation’s most experienced provider of workers compensation information, tools, and services. New Hampshire uses NCCI to determine rates on workers' compensation coverage and to administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market, the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs..

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

NH Department of Labor work comp notice.

The New Hampshire Department of Labor is required to send an employer questionnaire 5 days before any policy termination unless they have received a renewal notice or new policy notice from a carrier. This helps the state track employers without coverage and informs employers.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
New Hampshire Work Comp Information

NH Department of Labor

The New Hampshire Department of Labor is required to send an employer questionnaire 5 days before any policy termination unless they have received a renewal notice or new policy notice from a carrier. This helps the state track employers without coverage and informs employers.

Start a NH Work Comp Quote

Let Workers Compensation Shop.com help your business navigate workers comp insurance in New Hampshire.

What Does Workers' Compensation Insurance Cover?

...
Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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