Nationwide is New Hampshire’s best general liability insurance, with a MoneyGeek score of 95 out of 100. The Hartford, Thimble, NEXT and Hiscox also provide great options for general liability policies.
Best General Liability Insurance in New Hampshire
Updated: June 3, 2025
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Key Takeaways
Overall, the best general liability insurance company in New Hampshire is Nationwide, with a great balance of affordable rates for LLCs and good customer service.
NEXT offers the cheapest general liability insurance for sole proprietors in New Hampshire at $27 per month. For LLCs, NEXT provides the most affordable option at $28.
General liability insurance costs in New Hampshire depend on your industry, and average monthly prices range from $30 to $3,505.
Best Cheap General Liability Insurance in New Hampshire
| Nationwide | 95 | $37 | $51 |
| The Hartford | 95 | $34 | $57 |
| Thimble | 90 | $33 | $68 |
| NEXT | 90 | $27 | $28 |
| Hiscox | 83 | $32 | $184 |
*Rates were based on a $1 million per occurrence and $2 million aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Nationwide is the best overall general liability insurance in New Hampshire due to its balance of affordability and great customer service for most businesses. The company tied for first place for the lowest claims ratio from the NAIC and ranks second overall for LLC affordability, with an average annual rate of $530.
NEXT: Cheapest Overall
pros
Easy, fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT is the cheapest overall general liability insurance in New Hampshire. The company has the second-cheapest rates for sole proprietors at $27 per month and the lowest for LLCs at $28. While its claims ratio was higher than other companies we've reviewed in the state, its overall buying process was smooth, and you can get proof of insurance within the same day.
How Much Is General Liability Insurance in New Hampshire?
An average general liability insurance policy in New Hampshire costs around $30 per month for sole proprietors and $78 per month for LLCs. However, this represents only software development companies, and costs vary widely by industry.
| Cleaning | $1,997 | $87 |
| General Contractor | $3,505 | $228 |
| Software Development | $78 | $30 |
*Rates are based on a $1 million per occurrence and $2 million aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in New Hampshire
General liability insurance costs can fluctuate based on several factors in New Hampshire. The list below shows these factors and their impacts on your coverage costs:
Policy limits
Coverage limits significantly influence insurance premiums. Higher limits increase costs, while lower limits reduce premiums.
Number of employees and payroll costs
Businesses with large workforces and high payroll expenses face higher general liability insurance costs. Our analysis of LLCs and sole proprietorships confirms this trend.
Business location
Your business location affects insurance costs. State-level average rates can differ from city to city, so consider these variations when assessing your coverage needs.
Claims history
Multiple claims make a business appear riskier to insurers, resulting in higher premiums.
Industry
Industries with higher risk levels, like construction, typically face higher general liability insurance costs.
New Hampshire General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. To simplify your understanding of general liability insurance, our short guide details how to get the best coverage, defines what it covers, lists requirements in New Hampshire and explains how much coverage to consider.
How to Find the Best General Liability Insurance Company
Here's a step-by-step guide to simplifying your coverage search and ensuring you get the best small business insurance regardless of industry.
- 1
Define your coverage needs
Consider your liability claim risk by evaluating your industry, the product or service you offer, the types of consumers you're selling to, the size of your business and your impact on your industry. Also, calculate the frequency and costs of common claims for your industry to compare coverage options more closely.
- 2
Research average costs for your business
Research average costs for your business to understand the value you're getting from insurance companies. Knowing average expenses will give you a measuring stick to judge whether a company saves you money.
- 3
Consult similar businesses
Your business community is your greatest resource, and personal experience is often more valuable than online resources. You'll likely get better recommendations for your needs and an understanding of common claims within your industry. These businesses may also provide ways to mitigate risks associated with general liability insurance, so you don't need more coverage than necessary.
- 4
Compare multiple options through different means
Compare multiple companies apples to apples to determine which option is best for your business. Use multiple comparison methods, such as comparison sites and brokers, for a more comprehensive view of pricing and advice opportunities.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of per-occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can reach, while the aggregate limit is the total coverage you can get per year. This policy covers the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damage to leased or rented business property
Bodily injury or property damage your product or service causes
Libel, slander or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in New Hampshire?
Like most states, general liability insurance isn't required by state law but varies by industry. However, if you apply for a professional license, sign a contract with a larger company or sign an office lease, you may need some form of general liability insurance.
While not an exhaustive list, the following industries tend to require coverage:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses need only a standard policy with $1 million of protection per occurrence and a $2 million yearly limit. This will likely cover most or all damage over a year for most business types. Even so, your particular industry's risks and the size of your operation may require higher coverage limits.
WHO MAY NEED MORE COVERAGE
Certain businesses, like those in health, construction or food service, often face higher risks. These companies and any growing small business with more workers or customers should consider getting more insurance than the minimum coverage to protect the business better financially.
Best General Liability Insurance in New Hampshire: Bottom Line
Overall, the best general liability insurance companies in New Hampshire are Nationwide, The Hartford and NEXT. NEXT offers great value, especially for sole proprietors. Shop around and get multiple quotes to ensure you get the best deal.
General Liability Insurance in New Hampshire: FAQ
Below, we address frequently asked questions regarding general liability insurance in New Hampshire:
Which company has the best general liability insurance in New Hampshire?
MoneyGeek's top choice for general liability insurance in New Hampshire is Nationwide, which earned an overall score of 95 out of 100. However, the ideal insurance for you depends on your business size, number of employees and coverage requirements.
Which company has the cheapest general liability insurance in New Hampshire?
NEXT offers the most affordable coverage for sole proprietors at $27 per month and LLCs at $28.
Does New Hampshire require businesses to have general liability insurance?
New Hampshire doesn't require businesses to carry general liability insurance, but coverage helps protect against potential third-party claims.
How We Chose the Best General Liability Insurance Providers in New Hampshire
We gathered information and broke down scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
We based our cost scores for all business insurance companies on the software development industry and assumed LLCs had 20 employees. The NAIC and AM Best provided customer satisfaction and financial strength scores. MoneyGeek experts' personal experience determined the quote process scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.