New Hampshire Workers Comp Rates

New Hampshire workers' compensation rates continue to increase in 2019.

In 2018, rates on Workers' Compensation Insurance in New Hampshire were 18 percent cheaper than the national average. These rates have risen 10 percent since 2014. Because New Hampshire has historically had very affordable workers comp coverage, many business owner's pay too much for their coverage. Now is the time to shop your businesses workers comp policy around to a number carriers before rates get even higher.

At Workers Compensation, we use a network of more then a dozen providers who are actively quoting workers' compensation policies in the state of New Hampshire. This allows our agents to shop around many carriers to find the best coverage at the lowest rates.

Don't pay too much for your coverage. Now is the time to make sure you are getting the best value on your Workers Comp Policy. Call today to speak with an expert at 888-611-7467.

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NH Rates for Select Work Comp Class Codes

The workers' compensation rates listed below for New Hampshire represent the current insurance rates for we've found, effective 1/1/2019. New Hampshire is a competitive rating state and rates are regulated by the NH Workers' Compensation Division with oversight from the New Hampshire Department of Labor. Insurance companies may be able to offer discounts and credits to policies. We offer Pay As You Go workers comp coverage in NH. Not all employers will qualify for the lowest rates available or maximum policy credits. We shop rates with more carriers so our customers get the best deal on their coverage.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $3.02 $4.71
0042 Landscaping Service $5.52 $8.60
0106 Tree Trimming- Pruning- Removal $7.20 $11.22
0917 Tree Trimming- Pruning- Removal $4.90 $7.63
2121 Breweries- Craft Beers $1.38 $2.15
2143 Winery- Wine Makers $2.35 $3.66
2585 Carpet Cleaning $2.97 $4.63
2589 Dry Cleaning and Laundry Service $1.69 $2.63
3632 Machine Shop $1.70 $2.65
3724 Garage Door Installation $3.28 $5.11
3821 Salvage Yard- Automobile Recycling $5.30 $8.26
5022 Masonry Construction $6.55 $10.36
5102 Door and Window Installers $5.37 $8.37
5183 Plumbing Contractors $2.91 $4.53
5190 Electrical Work- Electrician $2.65 $4.13
5221 Concrete Work- Flat Work Cement $4.02 $6.26
5223 Pool Installation- Pool Maintenance $4.86 $7.57
5348 Ceramic, Tile and Stone Work $4.26 $6.64
5437 Trim- Finish Carpenters- Cabinets- Countertops $5.17 $8.05
5445 Drywall Contractors $7.58 $11.81
5474 Drywall Contractors $5.79 $9.02
5478 Floor Installers- Wood-Carpet-Laminate $3.46 $5.39
5535 Metal Building Construction $5.61 $8.74
5537 HVAC- Heating and Cooling Service/Repair $3.86 $8.01
5551 Roofing Contractors $12.65 $19.65
5606 Asphalt & Paving Work $0.86 $1.34
5645 Residential Construction- Home Builders- Remodelers- Siding $7.53 $11.73
6217 Excavation and Grading Work $4.62 $7.20
6400 Fence Installation & Repair $7.82 $12.18
7219 Trucking- Short Haul and Long Haul $5.60 $8.72
7225 Towing Company $5.92 $9.22
7230 Package and Parcel Delivery $7.00 $10.91
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $3.83 $5.97
7605 Alarm Installation and Repair $1.76 $2.74
7720 Security Guards- Patrol Officers $1.83 $2.85
8006 Gas Stations- Convenient Stores $2.01 $3.13
8017 Retail Stores- Merchandise- Cannabis Dispensary $1.19 $1.85
8292 Warehousing and Storage Facility $3.20 $4.99
8380 Auto Service and Repair- Mechanic $2.50 $3.90
8393 Auto Body Repair $1.40 $2.18
8742 Sales Professional $0.24 $0.37
8810 Clerical- Office Employee $0.11 $17.00
8824 Retirement Living Centers- Congregate Communities $2.74 $4.27
8829 Nursing Homes and Assisted Living Facilities $2.50 $3.90
8831 Animal Shelters and Kennels- Veterinarian $1.26 $1.96
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.26 $0.41
8835 Home Healthcare Workers $2.45 $3.82
8842 Group Homes- Temporary Shelters- Disability Facility $2.41 $3.75
8864 Social Service Organizations- Counseling- Family Services $1.91 $2.98
8868 Religious Organization- Church- Temple $0.32 $0.50
8869 Child Care Center- Daycare Providers $1.04 $1.62
9012 Property Management- Leasing Agent $0.89 $1.39
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $2.73 $4.25
9015 Building Maintenance- Campgrounds- Camps- RV Parks $2.81 $4.38
9052 Hotels and Motels $2.10 $3.27
9060 Golf Courses and Country Clubs $1.60 $2.49
9063 Fitness Center- Health Clubs- YMCA Programs $0.78 $1.22
9082 Restaurants- Catering $1.33 $2.07
9083 Fast Food Restaurant- Concessions- Doughnut Shop $1.20 $1.87
9083* Mobile Food Truck- Food Cart- $1.20 $1.87
9084 Bars-Taverns-Nightclubs $1.17 $1.82
9102 Lawn Service and Maintenance $2.77 $4.32
9180 Shooting Range- Amusement Park $5.81 $9.05
9402 Septic Tank Cleaning- Portable Toilets $3.89 $6.06
9403 Refuse Collection- Garbage- Trash Service $4.17 $6.50
9516 Electrical Equipment Repair and Service $2.95 $4.60

New Hampshire workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their company may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation loss experience. There is not a State Fund in New Hampshire. Assigned Risk policies are underwritten by NCCI and we are appointed to sell NCCI coverage. Mutli-state coverage availabe coast-to-coast.

State Resources for New Hampshire

NH Dept. of Labor

Workers' Compensation Division
95 Pleasant Street
Concord, NH 03301

National Council on Compensation Insurance (NCCI)

901 Peninsula Corporate Circle
Boca Raton, FL 33487-1362

New Hampshire is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in NH. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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