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

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.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Specialized Programs for Select Industries

We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.

Knowing the New Hampshire workers comp requirements can help lower the cost of coverage.

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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.

Experienced Experts

From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

Fast Quotes

Our technology matches your business with insurance companies most likely to offer the best deals.

Strong Relationship

We leverage our experience and relationships to negotiate your lowest workers' comp rates.

More Options

No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

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 known as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In today's 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 known as Stop Gap Coverage.

Workers' Comp Covers NH Employers from Injury Related Expenses & Lawsuits
Employers liability insurance is included under a workers' comp policy in most states.
  • Employers liability coverage is not included in all monopolistic states.
  • All NCCI and most other states' coverage includes employers liability insurance.
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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