The Hartford takes the top spot for general liability insurance in New Hampshire, delivering affordable rates and reliable service. NEXT and Nationwide are good alternatives, both excelling in customer support.
General Liability Insurance in New Hampshire
The Hartford is top-ranked for general liability insurance in New Hampshire, scoring 4.61 out of 5.
Explore low-cost general liability insurance in New Hampshire below.
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Updated: September 16, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Nationwide are the leading general liability insurance providers in New Hampshire, offering comprehensive coverage for local businesses.
Finding the right general liability coverage in New Hampshire requires careful consideration of your business type, operational scale and specific protection needs.
Securing quality coverage means gathering multiple quotes, assessing provider stability through financial ratings and confirming customer satisfaction levels across insurers.
Best General Liability Insurance Companies in New Hampshire
| The Hartford | 4.61 | $81 |
| NEXT | 4.56 | $102 |
| Nationwide | 4.53 | $96 |
| Simply Business | 4.49 | $95 |
| Coverdash | 4.38 | $103 |
| Thimble | 4.35 | $107 |
| biBerk | 4.31 | $114 |
| Chubb | 4.29 | $118 |
| Progressive Commercial | 4.28 | $100 |
| Hiscox | 4.20 | $113 |
How Did We Determine These Rates?
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 specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
Comprehensive business protection in New Hampshire requires more than just general liability coverage. These additional resources can help you get complete coverage:
Best New Hampshire Small Business Insurance Reviews
We analyzed New Hampshire's leading general liability insurance providers to show small business owners the specific advantages that set each company apart from competitors.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$81Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$102Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in New Hampshire
The Hartford offers the most affordable general liability insurance in New Hampshire, with coverage starting at $81 monthly or $976 annually. Small business owners seeking budget-friendly alternatives can also consider Simply Business and Nationwide.
| The Hartford | $81 | $976 |
| Simply Business | $95 | $1,142 |
| Nationwide | $96 | $1,158 |
| Progressive Commercial | $100 | $1,194 |
| NEXT | $102 | $1,230 |
| Coverdash | $103 | $1,234 |
| Thimble | $107 | $1,279 |
| Hiscox | $113 | $1,361 |
| biBerk | $114 | $1,362 |
| Chubb | $118 | $1,418 |
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 general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in New Hampshire
General liability insurance in New Hampshire costs an average of $103 monthly or $1,227 annually, which is closely aligned with national rates. Due to increased liability exposure, construction companies pay higher premiums than lower-risk businesses like consulting firms.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary by industry in New Hampshire. Pressure washing businesses face the highest monthly premiums at $915, while drone companies pay just $17 per month.
| Accountants | $22 | $264 |
| Ad Agency | $35 | $424 |
| Automotive | $53 | $639 |
| Auto Repair | $152 | $1,822 |
| Bakery | $90 | $1,084 |
| Barber | $44 | $531 |
| Beauty Salon | $67 | $801 |
| Bounce House | $70 | $842 |
| Candle | $55 | $659 |
| Cannabis | $67 | $804 |
| Catering | $88 | $1,051 |
| Cleaning | $132 | $1,589 |
| Coffee Shop | $90 | $1,076 |
| Computer Programming | $29 | $348 |
| Computer Repair | $48 | $571 |
| Construction | $175 | $2,103 |
| Consulting | $22 | $263 |
| Contractor | $255 | $3,056 |
| Courier | $195 | $2,344 |
| Daycare | $33 | $394 |
| Dental | $21 | $258 |
| DJ | $25 | $304 |
| Dog Grooming | $63 | $761 |
| Drone | $17 | $200 |
| Ecommerce | $73 | $877 |
| Electrical | $112 | $1,348 |
| Engineering | $40 | $478 |
| Excavation | $465 | $5,584 |
| Florist | $43 | $513 |
| Food | $108 | $1,291 |
| Food Truck | $142 | $1,700 |
| Funeral Home | $60 | $724 |
| Gardening | $112 | $1,348 |
| Handyman | $244 | $2,928 |
| Home-based | $24 | $285 |
| Home-based | $46 | $548 |
| Hospitality | $65 | $782 |
| HVAC | $245 | $2,942 |
| Janitorial | $137 | $1,644 |
| Jewelry | $40 | $483 |
| Junk Removal | $162 | $1,948 |
| Lawn/Landscaping | $120 | $1,442 |
| Lawyers | $23 | $274 |
| Manufacturing | $64 | $767 |
| Marine | $28 | $336 |
| Massage | $96 | $1,149 |
| Mortgage Broker | $23 | $275 |
| Moving | $124 | $1,488 |
| Nonprofit | $36 | $430 |
| Painting | $144 | $1,725 |
| Party Rental | $79 | $953 |
| Personal Training | $24 | $286 |
| Pest Control | $32 | $387 |
| Pet | $56 | $672 |
| Pharmacy | $62 | $741 |
| Photography | $24 | $289 |
| Physical Therapy | $110 | $1,322 |
| Plumbing | $361 | $4,335 |
| Pressure Washing | $915 | $10,978 |
| Real Estate | $53 | $638 |
| Restaurant | $145 | $1,739 |
| Retail | $65 | $784 |
| Roofing | $388 | $4,653 |
| Security | $139 | $1,668 |
| Snack Bars | $117 | $1,408 |
| Software | $26 | $316 |
| Spa/Wellness | $107 | $1,280 |
| Speech Therapist | $31 | $374 |
| Startup | $29 | $343 |
| Tech/IT | $26 | $317 |
| Transportation | $38 | $451 |
| Travel | $21 | $250 |
| Tree Service | $130 | $1,556 |
| Trucking | $103 | $1,230 |
| Tutoring | $30 | $363 |
| Veterinary | $45 | $537 |
| Wedding Planning | $28 | $332 |
| Welding | $165 | $1,977 |
| Wholesale | $45 | $536 |
| Window Cleaning | $159 | $1,910 |
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 general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in New Hampshire?
New Hampshire does not require most businesses to carry general liability insurance at the state level. Cities and counties can make their own rules. Certain licensed trades need specific coverage to keep their professional licenses active:
Electricians
New Hampshire does not require specific general liability insurance amounts for electrician licensing, though individual projects or contracts may require coverage. Most electricians carry policies with limits ranging from $500,000 to $1,000,000 per occurrence.
Electrical Sign Contractors
The state does not mandate specific general liability coverage amounts for electrical sign contractor licensing. Coverage requirements are determined by individual contracts or local jurisdictions.
HVAC Contractors
New Hampshire licensing boards don't specify mandatory general liability insurance amounts for HVAC contractors. Contractors carry coverage based on business needs and contract requirements.
Fire Safety Companies
New Hampshire does not require specific general liability insurance amounts for fire safety company registration or licensing at the state level. Coverage requirements may vary based on the type of fire safety services provided and local regulations.
Most businesses need general liability insurance regardless of licensing rules. Property owners demand proof of coverage before approving commercial leases.
How to Choose the Best General Liability Insurance in New Hampshire
Choosing general liability insurance means finding coverage that protects your New Hampshire business adequately while staying within your budget constraints.
- 1
Determine your coverage needs
Research New Hampshire licensing requirements for your specific industry first. Many clients and contractors require $1 million in coverage even when state minimums are lower.
- 2
Prepare business information
Collect details about your annual revenue, employee count and business operations.
- 3
Compare multiple insurance quotes
Request quotes from at least three different insurers to see the full price range.
- 4
Evaluate policy terms carefully
Focus on coverage exclusions and limits rather than just costs. Some policies include legal defense expenses outside your coverage limit, while others deduct these costs.
- 5
Verify insurer credentials
Check company and agent licenses through the New Hampshire Insurance Department website. Review AM Best financial ratings and complaint records.
- 6
Inquire about available discounts
Ask about savings opportunities, like bundling multiple policies, implementing safety programs or maintaining a clean claims history.
- 7
Obtain certificate of insurance
Ask for your certificate of insurance immediately after buying coverage, since clients and landlords often need proof.
How to Prevent General Liability Claims in New Hampshire
No business owner wants to handle liability claims, but New Hampshire entrepreneurs can prevent most issues through preparation and planning.
Watch out for property hazards
Winter conditions in New Hampshire create fall risks from ice, snow, and wet floors. Check walkways, parking areas and entrances during cold months, and maintain proper lighting year-round.
Train your people well
Your employees need regular safety training on proper lifting techniques equipment handling, and customer interaction protocols.
Keep good records
Document all incidents immediately with photos, witness statements and detailed written reports.
Get everything in writing
Written contracts should clearly outline work scope, safety responsibilities and liability limitations for everyone.
Fix problems fast
Respond to complaints and safety concerns within 24 hours with documented follow-up actions.
General Liability Insurance in New Hampshire: Bottom Line
Finding general liability insurance in New Hampshire requires matching coverage to your specific business needs. The Hartford, NEXT and Nationwide lead the state's insurance market, but your ideal provider depends on industry type, company size and your budget.
Commercial General Liability Insurance in New Hampshire: FAQ
Our research and analysis helped us answer the most common general liability insurance questions New Hampshire business owners ask when shopping for coverage.
What does general liability insurance cover for New Hampshire businesses?
General liability insurance for New Hampshire businesses covers third-party bodily injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in New Hampshire?
Small businesses in New Hampshire pay between $81 and $118 monthly for general liability insurance. The Hartford is the most affordable option at $81 per month, followed by Simply Business at $95 and Nationwide at $96.
Do New Hampshire businesses legally need general liability insurance?
New Hampshire does not legally require general liability insurance for most businesses. Municipalities can impose their own requirements, and certain licensed professionals like contractors and electricians must maintain specific coverage levels to preserve their licenses.
Which company offers the best general liability insurance in New Hampshire?
The Hartford leads New Hampshire's general liability insurance market with top rankings in affordability and financial stability. At $81 monthly, it offers competitive pricing while maintaining strong coverage options.
What coverage limits should New Hampshire businesses choose?
New Hampshire businesses should begin by verifying industry licensing requirements. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How can New Hampshire businesses prevent general liability claims?
New Hampshire businesses should prioritize property maintenance by promptly repairing damaged areas and holding comprehensive employee safety training programs.
Can New Hampshire businesses get discounts on general liability insurance?
Yes, New Hampshire businesses can secure discounts by bundling general liability with commercial property or other business coverages.
How quickly can New Hampshire businesses get general liability coverage?
New Hampshire businesses can obtain general liability coverage rapidly through digital platforms.
What should New Hampshire businesses do when filing a general liability claim?
New Hampshire businesses must contact their insurance carrier immediately. Thoroughly document the scene with photographs.
How does general liability differ from professional liability coverage?
General liability insurance protects New Hampshire businesses from physical incidents, such as customer injuries on your premises or accidental property damage during service calls. Professional liability insurance covers financial losses clients suffer due to your professional mistakes, omissions or negligent advice.
How We Scored the Best General Liability Insurance Companies in New Hampshire
New Hampshire businesses encounter specific liability challenges, from winter weather incidents to construction site mishaps. Our analysis focused on general liability providers that offer solid coverage without breaking small business budgets.
What We Evaluated
- Affordability (50%): Cost pressures hit New Hampshire small businesses hard. We analyzed rates from multiple insurers because reasonable pricing determines whether businesses can actually afford protection.
- Customer experience (30%): Quality claims service makes the difference when accidents happen. Our review included J.D. Power ratings, state complaint data, and feedback from independent agencies to assess how insurers treat policyholders.
- Coverage options (15%): Business risks vary widely across industries. We examined how insurers customize general liability policies for different New Hampshire businesses, from retail shops to construction companies.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We checked AM Best ratings and financial reports to ensure recommended companies maintain solid financial footing.
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.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed September 18, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed September 18, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 18, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 18, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 18, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 18, 2025.