MoneyGeek ranked the best general liability insurance companies in New Hampshire based on their financial standing, costs, customer service ratings and ease of obtaining a quote online. From our findings, Thimble offers excellent ratings altogether, making it our top winner overall. The company charges $63 monthly for limited liability companies (LLCs) with 20 staff members and $22 for sole proprietorships without employees.

We also ranked insurance providers based on affordability for small businesses seeking the lowest priced policies. Our analysis shows that Next is the top winner, costing an average of $26 per month for LLCs and $25 for sole proprietors.

MoneyGeek Logo IconBest General LiabilityNew Hampshire

Best General Liability Insurance in New Hampshire

Why Trust MoneyGeek? We collected 1,229 general liability insurance quotes and analyzed cost information alongside customer satisfaction and financial stability reports to determine the best general liability insurance companies for small businesses in New Hampshire.

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Coverage costs and company information for general liability insurance providers in New Hampshire were last updated in 2023.

1,229Quotes Analyzed
6 Companies Compared
50 Zip Codes

Best Overall General Liability Insurance in New Hampshire

With a 92 out of 100 in MoneyGeek’s ranking system, Thimble provides the best general liability insurance in New Hampshire. The general liability insurance companies we evaluated in New Hampshire are shown in the following table, alongside their MoneyGeek scores and average monthly costs.

How was this MoneyGeek score calculated?

ThimbleMoneyGeek Score92Monthly Cost Without Employees$22Monthly Cost With 20 Employees$63
The HartfordMoneyGeek Score90Monthly Cost Without Employees$31Monthly Cost With 20 Employees$53
NationwideMoneyGeek Score90Monthly Cost Without Employees$35Monthly Cost With 20 Employees$48
NextMoneyGeek Score89Monthly Cost Without Employees$25Monthly Cost With 20 Employees$26
biBERKMoneyGeek Score88Monthly Cost Without Employees$23Monthly Cost With 20 EmployeesNo Data
HiscoxMoneyGeek Score84Monthly Cost Without Employees$29Monthly Cost With 20 Employees$170
Best OverallScore: 92
4/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Stellar financial strength

Quickest online quote processing

The lowest average cost for sole proprietors


High costs for LLC business owners

Receives higher customer complaints than most competitors

Company Highlights

Thimble is our top selection for the overall best general liability insurance in New Hampshire. The insurer balances exceptional financial stability, the lowest quote processing time and the most affordable rates for sole proprietorship businesses with no employees. The fast quote times are excellent for shoppers with busy schedules, while excellent financial stability proves the company’s trustworthiness in processing your claims.

However, Thimble has a relatively low customer satisfaction rating, implying that it receives higher customer complaints than average.

Cheapest General Liability Insurance in New Hampshire

Next provides the lowest rates for general liability insurance in New Hampshire, with its policies costing an average monthly premium of $26 for LLCs and $25 for sole proprietors.

To evaluate insurers for the cheapest category, we determined affordability scores by taking into account average costs for sole proprietors and LLCs. Each entity contributed to 50% of the overall MoneyGeek score. However, the winner’s rates for each individual entity may not have the lowest premium.

How was this MoneyGeek score calculated?

CheapestScore: 96
5/5LLC Affordability
4/5Sole Proprietor Affordability
0/5Customer Satisfaction
2/5Financial Stability
4/5Online Quote Process

Has one of the fastest online quote processes for customers

The most affordable average monthly cost for LLCs


Lower financial stability ratings

Not the most affordable for sole proprietors

Company Highlights

Next is the overall cheapest general liability insurance provider in New Hampshire. The insurer offers the most competitive premium for LLCs, costing about $26 per month. Its policies cost $25 for sole proprietors. While this is slightly lower than the average for LLCs, it’s not the cheapest for those with sole proprietorship businesses.

Next allows its customers to access quotes online with the second-fastest turnaround time compared to its competitors. However, the company could have a better AM Best rating, as its score indicated that it’s less likely to meet its financial obligations than other insurers in our analysis.

Best General Liability Insurance for Employers in New Hampshire

Nationwide outranks other insurers in New Hampshire, emerging as the best provider of general liability insurance coverage for employers with a MoneyGeek score of 96 out of 100. On average, LLC businesses pay about $48 per month for a policy from this company.

The number of workers in a business significantly influences insurance costs. We determined our average rates using quotes from LLCs with 20 employees. Businesses with a lower employee count may pay lower premiums than the average cost, while those with more than 20 employees are likely to pay more.

How was this MoneyGeek score calculated?

Best for EmployersScore: 96
4/5LLC Affordability
5/5Customer Satisfaction
4/5Financial Stability
3/5Online Quote Process

Outstanding financial stability rating

Receives the fewest complaints against the average insurer

Offers the second cheapest average monthly cost for LLCs


Slower quote processing times

Company Highlights

With outstanding customer support, low monthly premiums and a strong financial stability rating, Nationwide stands out for employers in New Hampshire. The average monthly insurance rate for LLcs with 20 employees is $48.

Nationwide had a perfect customer complaint rating, meaning the insurer goes above and beyond to offer an exceptional experience to its customers. With one of the highest financial stability ratings, the insurer is most likely to meet its financial obligations once you file a claim. The company does have a slow online quote application process, which may not suit those who want to obtain a quick estimate for a general liability insurance policy.

Best General Liability Insurance for Sole Proprietors in New Hampshire

With a MoneyGeek rating of 97 out of 100, biBERK has the overall best general liability insurance in New Hampshire for sole proprietors, with a monthly average cost of $23.

Our rates for this business entity are based on average policy costs for sole proprietors with no employees. Premiums might be higher depending on the level of risk a business gets exposed to and its location. Those in construction or any other riskier industry, like mining, with a high probability of injuries and accidents, will have higher premiums than the average rate.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 97
5/5Sole Proprietor Affordability
4/5Customer Satisfaction
5/5Financial Stability
3/5Online Quote Process

Outstanding AM Best rating

Good customer satisfaction

Offers the second lowest monthly rate for sole proprietors


Online quote process is slower than other insurers

Company Highlights

We ranked biBERK as the best general liability insurance provider for New Hampshire sole proprietors since the company stands out in various aspects, including customer satisfaction and financial stability.

Policies from biBERK cost an average of $23 per month, the second lowest price compared to its competitors. With a perfect AM Best rating, biBERK is more likely to meet its financial obligations while dealing with customer claims. The insurer receives very few customer complaints, meaning it focuses on giving its clients a wonderful experience. One drawback of biBERK is its longer online quote process than most insurers.

Do You Need General Liability Insurance in New Hampshire?

A general liability insurance policy comes in handy for businesses after unforeseen circumstances, such as injuries and accidents, that result in unexpected financial liabilities. These policies safeguard you and your business from the following:

  • Third-party damage to property: Your policy covers the costs relating to any third-party property damage caused by your company or employees.
  • Third-party bodily injuries: Pays the medical costs associated with a client who gets hurt while visiting your business property.
  • Personal and advertising injury: Covers relevant legal expenses resulting from suits filed against your employees or the business.

Although general liability insurance is not required for all businesses in New Hampshire, it is advisable to purchase coverage to protect yourself and your property. For some industries, clients may not approve the contracting or licensing process with your business until you provide general liability insurance.

In New Hampshire, business insurance requirements comprise getting workers’ compensation coverage for companies with any number of employees. Furthermore, businesses must purchase commercial auto insurance with the following coverage limits, at the minimum:

  • $25,000 per person
  • $50,000 per accident for bodily injury
  • $25,000 for property damage
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New Hampshire residents can get tailored services from the state’s Department of Business and Economic Affairs. These include import and export resources and information, workforce retention training and programs, technical support on securing government contracts and more.

How Much Is General Liability Insurance in New Hampshire?

General liability insurance in New Hampshire costs an average of $27 for sole proprietors without employees and $72 for LLCs with an employee count of 20. For this study, we used costs for a policy with $0 as the deductible, an aggregate limit of $2 million and an occurrence limit of $1 million.

The deductible limit is the amount business owners must pay before the insurance starts to settle claims. The aggregate limit refers to the maximum sum paid by the insurer for all claims during the policy period, while the occurrence limit is the maximum sum the insurer can cover for every claim.

Factors That Impact General Liability Insurance Costs in New Hampshire

Each insurance provider calculates general liability insurance costs differently based on a number of key factors. We explain below how each factor influences rates across businesses of different types.

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    Policy limits

    Your policy limit determines how much you pay for general liability insurance. Your coverage features an aggregate limit and an occurrence limit. Increased limits will come with a higher price tag, while lower limits will result in smaller monthly premiums.

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    Number of employees and payroll costs

    How much you pay for insurance is tied to the number of workers you employ in your business. Premium amounts may increase as you employ more workers. This can be seen in the premium difference between LLCs and sole proprietors in New Hampshire.

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    Business location

    Where your business is situated may also influence the cost of general liability insurance. Businesses in densely populated areas often pay more because they are more likely to file claims. Keep in mind that city average premiums can vary from state averages.

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    Claims history

    If no claim has ever been submitted for your business, you will pay lower rates for general liability insurance than those with a history of insurance claims. Companies treat businesses with previous claims as high-risk to insure.

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    The industry your business is in can influence your insurance cost. For example, a business in the construction industry will have higher premiums due to the increased risk of accidents or injuries. In the following chart, you can compare average monthly costs for different providers of general liability insurance in New Hampshire.

CleaningMonthly Cost Without Employees$81Monthly Cost With 20 Employees$1,849
General ContractorMonthly Cost Without Employees$211Monthly Cost With 20 Employees$3,245
Software DevelopmentMonthly Cost Without Employees$27Monthly Cost With 20 Employees$72

Frequently Asked Questions About General Liability Insurance in New Hampshire

General liability insurance is not legally required in New Hampshire, but it may help safeguard your business in many ways. We addressed some frequently asked questions to offer you further insight into this type of business insurance.

Which company has the best general liability insurance in New Hampshire?
Which company has the cheapest general liability insurance in New Hampshire?
What does general liability insurance cover in New Hampshire?
Does New Hampshire require businesses to have general liability insurance?

About Melissa Wylie

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Melissa Wylie is the Content and SEO Manager at MoneyGeek, with nearly a decade of editorial experience and six years of work in financial content focused on small businesses. She previously held SEO positions at Bankrate and LendingTree, with bylines on ValuePenguin and MagnifyMoney.

Wylie has a journalism degree from the University of North Texas. Her strong foundation in journalism helps her craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.