NEXT offers the best professional liability insurance in New Hampshire, with affordable rates and reliable customer support. The Hartford ranks second, while Simply Business takes third place.
Professional Liability Insurance in New Hampshire
NEXT earns the highest score of 4.74 out of 5 in our analysis of the best professional liability insurance in New Hampshire.
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Updated: October 27, 2025
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Best Professional Liability Insurance in New Hampshire: Key Takeaways
NEXT is our top pick for professional liability insurance in New Hampshire, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best New Hampshire professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best small business insurance that fits your professional liability needs in New Hampshire.
Find Insurance for Your Business
Select your industry and state to get a customized quote.
Industry
State
Best Professional Liability Insurance Companies in New Hampshire
| NEXT Insurance | 4.74 | $72 |
| The Hartford | 4.69 | $71 |
| Simply Business | 4.52 | $76 |
| Nationwide | 4.46 | $81 |
| Coverdash | 4.46 | $77 |
| biBERK | 4.44 | $79 |
| Progressive Commercial | 4.41 | $75 |
| Hiscox | 4.36 | $77 |
| Chubb | 4.27 | $88 |
| Thimble | 4.25 | $75 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Small businesses in New Hampshire need more than just professional liability coverage to stay protected, so exploring other coverage types helps create a complete financial safety net.
Best New Hampshire Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for New
Hampshire businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Premium
$72These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly Premium
$71These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in New Hampshire
The Hartford offers the cheapest professional liability insurance in New Hampshire at $71 monthly ($847 annually). NEXT provides another budget-friendly option for business owners, with coverage starting at $72 per month.
| The Hartford | $71 | $847 |
| NEXT Insurance | $72 | $862 |
| Progressive Commercial | $75 | $895 |
| Thimble | $75 | $905 |
| Simply Business | $76 | $909 |
| Hiscox | $77 | $922 |
| Coverdash | $77 | $924 |
| biBERK | $79 | $944 |
| Nationwide | $81 | $977 |
| Chubb | $88 | $1,058 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in New Hampshire
Professional liability insurance costs $77 monthly ($924 annually) in New Hampshire, $1 less than the national average. Home-based businesses pay around $37 per month, while mortgage brokers average $162. Your location, claims history and coverage limits also influence rates.
| Accountants | $147 | $1,762 |
| Ad Agency | $96 | $1,157 |
| Auto Repair | $81 | $974 |
| Automotive | $76 | $906 |
| Bakery | $52 | $622 |
| Barber | $42 | $505 |
| Beauty Salon | $50 | $599 |
| Bounce House | $59 | $703 |
| Candle | $41 | $491 |
| Cannabis | $122 | $1,463 |
| Catering | $79 | $951 |
| Cleaning | $54 | $649 |
| Coffee Shop | $61 | $735 |
| Computer Programming | $104 | $1,254 |
| Computer Repair | $62 | $745 |
| Construction | $77 | $920 |
| Consulting | $107 | $1,288 |
| Contractor | $63 | $754 |
| Courier | $49 | $593 |
| DJ | $46 | $547 |
| Daycare | $105 | $1,260 |
| Dental | $82 | $985 |
| Dog Grooming | $55 | $662 |
| Drone | $107 | $1,279 |
| Ecommerce | $61 | $732 |
| Electrical | $63 | $751 |
| Engineering | $104 | $1,248 |
| Excavation | $67 | $804 |
| Florist | $38 | $461 |
| Food | $110 | $1,321 |
| Food Truck | $59 | $706 |
| Funeral Home | $81 | $973 |
| Gardening | $40 | $479 |
| HVAC | $80 | $964 |
| Handyman | $55 | $660 |
| Home-based business | $37 | $445 |
| Hospitality | $72 | $858 |
| Janitorial | $50 | $601 |
| Jewelry | $61 | $736 |
| Junk Removal | $66 | $793 |
| Lawn/Landscaping | $51 | $610 |
| Lawyers | $141 | $1,688 |
| Manufacturing | $59 | $705 |
| Marine | $87 | $1,049 |
| Massage | $105 | $1,261 |
| Mortgage Broker | $162 | $1,949 |
| Moving | $81 | $966 |
| Nonprofit | $51 | $608 |
| Painting | $62 | $749 |
| Party Rental | $54 | $648 |
| Personal Training | $69 | $823 |
| Pest Control | $93 | $1,116 |
| Pet | $46 | $550 |
| Pharmacy | $57 | $681 |
| Photography | $63 | $754 |
| Physical Therapy | $93 | $1,119 |
| Plumbing | $88 | $1,053 |
| Pressure Washing | $57 | $683 |
| Real Estate | $126 | $1,511 |
| Restaurant | $81 | $972 |
| Retail | $54 | $647 |
| Roofing | $98 | $1,175 |
| Security | $97 | $1,164 |
| Snack Bars | $47 | $565 |
| Software | $94 | $1,129 |
| Spa/Wellness | $109 | $1,314 |
| Speech Therapist | $98 | $1,178 |
| Startup | $72 | $864 |
| Tech/IT | $99 | $1,193 |
| Transportation | $95 | $1,145 |
| Travel | $97 | $1,164 |
| Tree Service | $75 | $898 |
| Trucking | $113 | $1,350 |
| Tutoring | $62 | $739 |
| Veterinary | $115 | $1,379 |
| Wedding Planning | $77 | $919 |
| Welding | $75 | $906 |
| Wholesale | $60 | $725 |
| Window Cleaning | $61 | $730 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in New Hampshire?
Professional liability insurance isn't universally required in New Hampshire, though certain professions like healthcare and law do mandate coverage. Even when the state doesn't require it, your coverage amount should reflect your risk exposure and what clients expect. Many higher-risk fields carry at least $1 million per occurrence and $3 million aggregate as standard protection.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in New Hampshire carry greater liability exposure than others, which directly affects how much coverage you need. Technology consultants in Manchester's growing tech sector and architects designing commercial projects face higher risks. Professional liability risks for accountants in smaller towns like Keene or real estate agents in rural communities are lower.
Client Requirements
Many clients and contracts in New Hampshire require proof of professional liability insurance at specific limits before they'll work with you. Corporations, government contracts, and large organizations often set minimum coverage levels of $1 million or more as a condition of doing business. Meeting these requirements is essential for securing contracts with major New Hampshire employers and state agencies.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a lawsuit in New Hampshire's legal environment. Small mistakes might result in minor penalties of a few thousand dollars, while errors in larger projects could lead to six-figure damages plus substantial legal defense fees. Consider the size and scope of your typical projects when determining appropriate coverage limits.
How to Get the Best Professional Liability Insurance in New Hampshire
Our step-by-step guide shows you how to get business insurance that's right for your New Hampshire professional liability needs and budget.
- 1Evaluate Your Risk Exposure
Different industries face varying liability risks in New Hampshire. A local architect typically needs higher coverage limits than an independent marketing consultant. Review your services, client contracts, and industry standards to determine appropriate coverage amounts.
- 2Find a Knowledgeable Agent
Look for an agent who knows New Hampshire's business landscape and understands how business insurance costs vary by location and industry. Local agents understand regional industry needs and can recommend coverage that fits your specific profession and client base.
- 3Collect Multiple Quotes
Request quotes from at least three insurers, comparing affordable business insurance rates and policy terms like exclusions and deductibles. A $1,000,000 policy from one carrier may offer different protections than another.
- 4Verify Insurer Reliability
When researching business insurance in New Hampshire, look beyond price. Research each company's financial stability using AM Best ratings and claims handling reputation. Look for insurers with experience in your industry who can provide knowledgeable support when you need it most.
- 5Explore Bundling Opportunities
Many insurers in the state offer discounts when you buy multiple types of business insurance coverage from the same provider. Try combining professional liability with general liability or business owner's policies. Bundling can reduce your overall insurance costs while simplifying policy management.
- 6Maintain Continuous Protection
Professional liability insurance only covers claims filed while your policy remains active. When switching carriers, secure prior acts coverage or purchase tail coverage to avoid dangerous gaps in protection.
How to Prevent Professional Liability Claims in New Hampshire
Most professional liability claims in New Hampshire result from poor communication and vague client expectations rather than actual mistakes. Small misunderstandings can trigger thousands in legal fees. These proven strategies help prevent disputes and protect your business from expensive claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and project approvals. This documentation creates a clear record of agreements and decisions that can prevent disputes from escalating into claims. Proper records serve as your first line of defense when questions arise about what was promised or delivered.
Use Detailed Contracts With Clear Scope
Create contracts that clearly define your responsibilities, project timelines and specific deliverables for every engagement. Include explicit language about what services are included and excluded to prevent misunderstandings about additional work. Well-defined scope boundaries help clients understand exactly what they're paying for and reduce conflicts over extra charges.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before proceeding with any additional work or modifications. Document how these changes will affect project timelines, budgets and final deliverables to avoid surprises later. Written change orders protect both parties by creating clear expectations about revised project parameters.
Set Realistic Expectations Upfront
Be transparent with clients about project timelines, potential challenges and expected results from the beginning of every engagement. Honest communication about your capabilities and limitations helps avoid overpromising and reduces the likelihood of client disappointment. Managing expectations early prevents disputes that can lead to professional liability claims.
Keep Detailed Project Records
Maintain thorough documentation of all work performed, decisions made and the reasoning behind your professional recommendations. These records demonstrate your diligence and professional standards if your work is ever questioned or challenged. Comprehensive project files provide essential evidence of your competence and care in delivering services.
New Hampshire Professional Liability: Bottom Line
Professional liability insurance decisions in New Hampshire start with understanding your specific business risks. NEXT leads our rankings, but your industry requirements, client contracts and budget matter most. Assess your coverage needs first, then work with a local agent to compare options that deliver strong financial protection for your business.
New Hampshire Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in New Hampshire.
What does professional liability insurance cost in New Hampshire?
Professional liability insurance in New Hampshire costs between $71 and $88 monthly, depending on your provider. Your premium varies based on your industry's risk level, claims history, coverage limits and business location within the state.
Which professional liability insurance company is best in New Hampshire?
NEXT leads professional liability insurance in New Hampshire with a 4.74 out of 5 rating for its affordable coverage and excellent customer service. The Hartford ranks second at 4.69, while Simply Business offers competitive rates at 4.52, making all three solid choices for New Hampshire professionals.
How much professional liability coverage do I need in New Hampshire?
Professional liability coverage amounts in New Hampshire depend on your industry's risk level, client contract requirements and potential lawsuit expenses. High-risk professions like architects and consultants need higher limits, while businesses in lower-risk fields may require less comprehensive coverage to protect against claims.
How are professional liability and E&O insurance different?
Professional liability and errors and omissions (E&O) insurance both protect you from claims about mistakes in your professional services. Some industries prefer one term over the other, but the coverage works identically regardless of what you call it.
How We Scored the Best Professional Liability Insurance Companies in New Hampshire
A professional liability lawsuit can destroy a small business in New Hampshire or force it to close permanently. We studied insurers throughout the state to identify which companies provide the most reliable financial protection for businesses from startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance choices. We gave affordability the highest weight because finding quality coverage within budget is essential for business survival.
- Customer experience (30%): Professional liability claims create stress for business owners. We measured service quality through J.D. Power ratings and complaint records from the New Hampshire Department of Insurance.
- Coverage options (15%): We analyzed policy flexibility and exclusions to ensure they serve the diverse needs of local professional service providers.
- Financial strength (5%): We reviewed AM Best financial ratings to confirm each recommended insurer maintains the resources to pay professional liability claims reliably.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed November 14, 2025.
- Better Business Bureau. "The Hartford Insurance Company | BBB Business Profile." Accessed November 14, 2025.