NEXT leads for workers' comp insurance in New Hampshire, standing out for exceptional customer service and comprehensive coverage options. The Hartford and Simply Business provide equally reliable alternatives for business owners, with remarkably similar quality ratings.
Workers' Comp Insurance in New Hampshire
NEXT is New Hampshire's top workers' compensation insurance provider, with an overall score of 4.62 out of 5 based on our analysis.
Compare top New Hampshire workers' comp insurance providers and find your ideal coverage.
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Updated: September 10, 2025
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Key Takeaways
NEXT, The Hartford and Simply Business stand out as the top workers' compensation insurance providers in New Hampshire.
Your business type, number of workers, past insurance claims and available funds will determine which provider fits your needs best.
To find the right workers' comp coverage in New Hampshire, request price quotes from multiple providers and compare their industry knowledge, service quality and coverage options.
Best Workers' Comp Insurance Companies in New Hampshire
| NEXT Insurance | 4.62 | 1 |
| The Hartford | 4.58 | 2 |
| Simply Business | 4.53 | 3 |
| Coverdash | 4.46 | 4 |
| biBERK | 4.44 | 5 |
| Nationwide | 4.44 | 5 |
| Progressive Commercial | 4.41 | 6 |
| Thimble | 4.40 | 7 |
| Hiscox | 4.38 | 8 |
| Chubb | 4.27 | 9 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
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LEARN MORE ABOUT BUSINESS INSURANCE IN NEW HAMPSHIRE
New Hampshire businesses often need additional protection. Explore these valuable resources to learn more about other types of coverage available in New Hampshire:
Best New Hampshire Workers’ Comp Insurance Reviews
NEXT and The Hartford emerge as the premier workers' compensation insurance providers in New Hampshire, offering exceptional coverage for business owners.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$68Based on average costs for workers' compensation coverage in New HampshireOur survey: Claims process
3.9/5Rating based on customer satisfaction with claims handling experienceOur survey: Recommend to others
4.8/5Percentage of current customers who would recommend NEXT Insurance
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$69Based on average costs across business typesOur survey: Claims process
4.5/5Rating from MoneyGeek customer satisfaction surveyOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in New Hampshire
New Hampshire businesses can secure workers' comp coverage through NEXT Insurance at $69 monthly ($822 annually). The Hartford and Progressive offer comparable rates at $69 and $70 per month, respectively, with minimal price differences between all three providers. The table below shows costs from all companies we analyzed:
| NEXT Insurance | $69 | $822 |
| The Hartford | $69 | $831 |
| Progressive Commercial | $70 | $841 |
| Thimble | $70 | $845 |
| Simply Business | $71 | $848 |
| Hiscox | $71 | $857 |
| Coverdash | $72 | $868 |
| biBERK | $74 | $893 |
| Nationwide | $80 | $962 |
| Chubb | $84 | $1,011 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in New Hampshire
Workers' compensation insurance in New Hampshire costs businesses an average of $73 per month or $878 annually. New Hampshire's rates run about $1 below the national monthly average of $74. Your business's actual premium costs will vary based on your industry's risk level, number of employees, total payroll and claims history.
Average Cost of Workers' Comp in New Hampshire by Industry
In New Hampshire, workers' compensation insurance costs vary significantly by industry risk level. Speech therapists pay the lowest premiums at $6 monthly, while roofing businesses face much higher rates at $832 monthly. This substantial difference reflects the varying workplace injury risks across different professions.
| Accountants | $20 | $244 |
| Ad Agency | $16 | $190 |
| Auto Repair | $152 | $1,820 |
| Automotive | $116 | $1,395 |
| Bakery | $53 | $638 |
| Barber | $14 | $167 |
| Beauty Salon | $14 | $173 |
| Bounce House | $40 | $480 |
| Candle | $40 | $479 |
| Cannabis | $83 | $1,002 |
| Catering | $73 | $876 |
| Cleaning | $48 | $581 |
| Coffee Shop | $46 | $558 |
| Computer Programming | $28 | $337 |
| Computer Repair | $24 | $288 |
| Construction | $180 | $2,159 |
| Consulting | $30 | $360 |
| Contractor | $165 | $1,974 |
| Courier | $227 | $2,720 |
| DJ | $14 | $169 |
| Daycare | $13 | $160 |
| Dental | $11 | $134 |
| Dog Grooming | $65 | $778 |
| Drone | $27 | $318 |
| Ecommerce | $22 | $259 |
| Electrical | $57 | $682 |
| Engineering | $38 | $455 |
| Excavation | $107 | $1,284 |
| Florist | $60 | $724 |
| Food | $42 | $504 |
| Food Truck | $45 | $545 |
| Funeral Home | $26 | $317 |
| Gardening | $46 | $556 |
| HVAC | $63 | $751 |
| Handyman | $93 | $1,112 |
| Home-based | $10 | $119 |
| Hospitality | $69 | $825 |
| Janitorial | $49 | $582 |
| Jewelry | $30 | $357 |
| Junk Removal | $140 | $1,681 |
| Lawn/Landscaping | $38 | $452 |
| Lawyers | $53 | $632 |
| Manufacturing | $58 | $698 |
| Marine | $149 | $1,793 |
| Massage | $14 | $174 |
| Mortgage Broker | $14 | $165 |
| Moving | $259 | $3,105 |
| Nonprofit | $31 | $377 |
| Painting | $139 | $1,672 |
| Party Rental | $37 | $440 |
| Personal Training | $25 | $297 |
| Pest Control | $70 | $841 |
| Pet | $31 | $367 |
| Pharmacy | $6 | $76 |
| Photography | $17 | $201 |
| Physical Therapy | $7 | $82 |
| Plumbing | $63 | $759 |
| Pressure Washing | $84 | $1,004 |
| Real Estate | $30 | $357 |
| Restaurant | $63 | $755 |
| Retail | $35 | $419 |
| Roofing | $832 | $9,985 |
| Security | $52 | $623 |
| Snack Bars | $43 | $516 |
| Software | $26 | $313 |
| Spa/Wellness | $17 | $209 |
| Speech Therapist | $6 | $71 |
| Startup | $13 | $157 |
| Tech/IT | $27 | $326 |
| Transportation | $227 | $2,724 |
| Travel | $7 | $84 |
| Tree Service | $220 | $2,642 |
| Trucking | $266 | $3,197 |
| Tutoring | $10 | $120 |
| Veterinary | $20 | $237 |
| Wedding Planning | $28 | $338 |
| Welding | $116 | $1,390 |
| Wholesale | $40 | $477 |
| Window Cleaning | $209 | $2,513 |
How Much Workers' Comp Insurance Do I Need in New Hampshire?
In New Hampshire, businesses must carry workers' compensation insurance as soon as they hire their first employee. This insurance helps cover medical expenses and lost wages if workers get hurt or sick because of their job.
Employers who don't provide required coverage face fines up to $2,400 per employee, plus $100 for each day they remain uninsured. The state may also pursue criminal charges as a Class B misdemeanor.
Sole proprietors
Business owners operating alone can typically opt out of workers' comp coverage for themselves while still needing it for any employees
Corporate officers
Executive officers owning at least 25% of company stock can elect to exclude themselves by filing a written waiver
Real estate agents
Licensed real estate professionals working on commission are usually exempt when operating under independent contractor agreements
Domestic workers
Household employees working fewer than 40 hours per week or earning under $1,000 per quarter may be exempt from coverage requirements
Agricultural workers
Small farms with limited seasonal workers or family-only labor often qualify for exemption from mandatory coverage
Religious organizations
Members of religious orders performing duties for their organization can be exempt when the order maintains alternative care provisions
Professional athletes
Professional sports players often operate under separate injury protection agreements instead of standard workers' comp coverage
Independent contractors
Workers who maintain control over their work methods and schedule while providing their own tools may qualify as exempt contractors
How to Get the Best Workers' Comp Insurance in New Hampshire
While workers' compensation insurance in New Hampshire might seem complex, affordable coverage options exist to protect your team and maintain reasonable business insurance costs. Take time to compare insurance rates from multiple providers, evaluate their coverage options and understand their claims handling processes before making your selection.
- 1
Check coverage requirements
New Hampshire law requires most businesses with employees to carry workers' compensation insurance.
- 2
Prepare business documentation
Collect accurate payroll records, employee counts and job classifications before requesting quotes.
- 3
Get multiple insurance quotes
Contact at least three insurance carriers for quotes. New Hampshire has significant rate variations between providers for similar coverage types
- 4
Find industry-specific expertise
Select insurers who understand your business sector's unique risks.
- 5
Review provider performance
Investigate each carrier's claim processing speed and complaint history.
- 6
Examine policy details
Review coverage limits and exclusions. Consider flexible payment options, including pay-as-you-go.
- 7
Schedule annual reviews
Mark your calendar for yearly coverage evaluations.
New Hampshire Workers’ Comp: Bottom Line
New Hampshire businesses have access to several reliable workers' compensation insurance providers. Our analysis shows NEXT Insurance, The Hartford and Simply Business lead the market as top-rated carriers in New Hampshire. Consider getting quotes from these providers to find the best match for your specific industry, company size and budget requirements.
New Hampshire Workers' Comp Insurance: FAQ
Find clear answers to your most common questions in our comprehensive FAQ section below.
Is workers' comp insurance required for all New Hampshire businesses?
New Hampshire employers with one or more employees must carry workers' compensation insurance.
How much does workers' comp insurance cost in New Hampshire?
NEXT offers the most affordable workers' comp insurance in New Hampshire at $69 per month ($822 annually). Your actual premium costs will vary based on your business's industry risk level, number of employees, payroll size and claims history.
What does workers' comp insurance cover in New Hampshire?
New Hampshire workers' compensation insurance covers medical expenses and lost wages for work-related injuries or illnesses. Benefits include necessary treatments, rehabilitation, and partial wage replacement during recovery. The insurance protects employers from lawsuits while providing coverage for employees, but not independent contractors.
Which workers' comp insurance company is best in New Hampshire?
NEXT leads New Hampshire workers' comp providers with a 4.62 overall score, excelling in customer service (4.70) and coverage options (4.80). The Hartford follows at 4.58, known for consistent service quality, while Simply Business (4.53) offers the most comprehensive coverage options. Choose based on whether you prioritize service quality, reliability or coverage breadth.
What happens if I don't have workers' comp insurance in New Hampshire?
Operating without workers' compensation insurance in New Hampshire is illegal for most employers. Violations can result in fines plus $100 per day of noncompliance. The NH Workers' Compensation Division can shut down businesses and pursue criminal charges. Employers become directly liable for employee medical costs and lost wages from work-related injuries.
Do sole proprietors need workers' comp insurance in New Hampshire?
Sole proprietors in New Hampshire are not required to carry workers' compensation insurance. However, those in high-risk industries like construction or roofing must maintain coverage. Many sole proprietors opt to purchase workers' comp voluntarily to protect themselves from work-related injuries and lost income.
How do I choose the right workers' comp insurance company in New Hampshire?
Get quotes from at least three workers' compensation insurance providers in New Hampshire to compare rates and coverage options. Look for carriers with expertise in your specific industry, especially for high-risk work. Review each company's claims process, financial stability and customer satisfaction ratings through the New Hampshire Insurance Department.
How We Scored the Best Workers' Comp Insurance Companies in New Hampshire
- Affordability (50%): Cost drives every small business insurance decision in New Hampshire's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, New Hampshire Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific New Hampshire industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
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.