ERGO NEXT tops our rankings for professional liability insurance in New Hampshire with competitive rates, excellent customer service and a digital platform that streamlines policy management. The Hartford provides the cheapest professional indemnity insurance in the state at $71 monthly, saving you $6 below New Hampshire's average. Simply Business, Nationwide, Coverdash and biBerk also earn strong ratings as top errors and omissions insurance providers worth comparing for NH coverage.
Best Professional Liability Insurance in New Hampshire
Get NH professional liability insurance quotes starting at $26 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: February 2, 2026
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Professional Liability Insurance in New Hampshire: Key Takeaways
ERGO NEXT provides the best professional liability insurance in New Hampshire, while The Hartford offers the most affordable coverage starting at $71 monthly (Read More).
Professional liability insurance costs average $77 monthly or $924 annually in New Hampshire, placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects New Hampshire businesses against financial losses from professional mistakes, missed deadlines and negligence claims (Read More).
New Hampshire doesn't mandate professional liability insurance for most businesses, though health care providers and other regulated professions need coverage (Read More).
Getting multiple small business insurance quotes from different providers helps New Hampshire businesses secure the most suitable professional liability coverage at competitive rates (Read More).
Best Professional Liability Insurance Companies in New Hampshire
| ERGO NEXT | 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 The Best Professional Liability Insurance in New Hampshire?
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 IN NEW HAMPSHIRE
Professional liability insurance in New Hampshire is just one piece of your business protection puzzle. Explore these additional state-specific guides to build comprehensive coverage:
1. ERGO NEXT: Best Professional Liability Insurance in NH
pros
Ranks first nationally for customer service and satisfaction
Leads in digital experience with highest policy management scores
Coverage starts in 10 minutes with instant certificates
Personalized coverage matching for both types and limit amounts
Backed by Munich Re's A+ AM Best financial rating
cons
Less than 10 years in business (founded 2016)
Claims processing ranks fourth nationally
COMPANY HIGHLIGHTS
ERGO NEXT delivers New Hampshire's best professional liability experience with rates $5 below the state average. You'll win more contracts in Manchester and Portsmouth when you generate certificates instantly instead of waiting days for agent paperwork. Your business stays protected long-term with backing from Munich Re's A+ financial strength rating. The insurer's top-ranked customer service means you get answers fast when coverage questions arise, letting you focus on growing your business instead of managing insurance headaches.
2. The Hartford: Cheapest Professional Liability Insurance in NH
pros
Lowest professional liability rates in New Hampshire
Ranks first nationally for claims process and customer satisfaction
A+ Superior AM Best rating with strongest financial stability
Over 200 years of industry experience and expertise
Great personalized E&O coverage options for tech, law and medical professionals
cons
Digital experience ranks tenth, below competitors
Not available in Alaska or Hawaii
COMPANY HIGHLIGHTS
The Hartford saves New Hampshire businesses $77 annually on professional liability. Your Manchester consulting firm or Portsmouth accounting practice keeps more revenue for growth instead of insurance costs. You won't waste months fighting claim denials when clients sue because your money arrives quickly so you can focus on running your business. The insurer's A+ Superior financial rating means your claim gets paid when your business needs protection most, even during economic downturns.
3. Simply Business: Best Professional Liability Insurance Coverage Option in NH
pros
Access to 16+ carriers (highest coverage options)
24/7 online policy management and account access
Broker model secures coverage for specialty and hard-to-insure businesses
Backed by Travelers' A+ Superior financial strength rating
cons
Claims processing slower than top competitors
Customer satisfaction trails leading providers
Professional liability rates run higher than alternatives
COMPANY HIGHLIGHTS
Simply Business connects New Hampshire businesses with specialized coverage when standard insurers say no. Portsmouth tech startups and Manchester consulting firms can compare quotes from 16+ carriers in about 10 minutes, instead of calling insurers individually for weeks. The broker model finds professional liability policies tailored to your specific risks rather than forcing you into generic coverage. Travelers' A+ Superior financial backing provides claims reliability that smaller carriers can't match.
Average Cost of Professional Liability Insurance in New Hampshire
Professional liability insurance costs in New Hampshire vary across industries. Home-based businesses pay the most affordable rates at around $37 per month, while mortgage brokers face the highest costs at approximately $162 per month. The filtering tool below lets you discover specific rates for your industry and compare options tailored to your business needs.
Data filtered by:
Select
| 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 New Hampshire Professional Liability Insurance 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.
What Does New Hampshire Professional Liability Insurance Cover?
Professional liability insurance in New Hampshire protects your business when clients claim you made mistakes or failed to deliver promised services. Professional liability insurance covers the costs of defending these claims and any damages you might owe. It also pays for legal expenses that pile up during lawsuits.
This coverage goes by several different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in New Hampshire?
New Hampshire doesn't mandate professional liability insurance for most businesses. Clients require $1 million per occurrence and $2 million aggregate coverage before signing contracts, whether you're a Manchester consultant or Portsmouth accountant. Attorneys must notify clients when coverage drops below $100,000 per claim and $300,000 aggregate. Medical professionals aren't legally required to carry malpractice insurance, but hospitals mandate it for staff privileges.
Who Needs Professional Liability Insurance in New Hampshire?
Professional liability insurance protects New Hampshire businesses dealing with client contracts or professional services from negligence claims. Consider coverage if your work involves professional advice, technical services or contractual obligations.
Tech Professionals
New Hampshire ranks second nationally for high-tech employment in the private sector, with software companies and IT consultants driving economic growth from Manchester to Portsmouth. Tech E&O insurance covers data breaches, software errors and missed project deadlines that can trigger expensive client lawsuits against your consulting or development business.
Medical Professionals
New Hampshire doesn't legally require medical malpractice insurance, but hospitals mandate coverage for physicians, nurses and allied health professionals to maintain staff privileges. The state's Board of Medicine licenses health care providers who need protection when patients claim misdiagnosis, treatment errors or inadequate care resulted in harm.
Accountants
The New Hampshire Board of Accountancy regulates CPAs and accounting professionals providing tax preparation, auditing and financial advisory services throughout the state. Accountants' professional liability insurance covers claims when clients allege tax preparation errors, audit mistakes or financial advice caused monetary losses to their business.
Real Estate Professionals
New Hampshire's Real Estate Commission mandates licensing for salespersons and brokers, particularly important as tourism, the state's second-largest industry, drives vacation property and second-home markets. Errors and omissions insurance for real estate protects agents when clients sue over undisclosed property defects, contract mistakes or claims that poor advice cost them money on a transaction.
Construction and Contractors
New Hampshire requires licensing for electricians, plumbers and other skilled construction trades through the Office of Professional Licensure and Certification, distinguishing professional contractors from unlicensed handymen. Contractors need coverage when clients claim your work caused property damage, project delays resulted in financial losses or design errors led to code violations requiring expensive corrections.
How to Get the Best Professional Liability Insurance in New Hampshire
Our step-by-step guide helps New Hampshire businesses navigate professional liability insurance decisions with confidence. Follow these steps when getting business insurance to secure coverage that protects your business properly.
- 1
Assess your professional liability insurance coverage needs
Identify your business risks and any client requirements you must meet, particularly if you serve clients across the Massachusetts border or in specialized New Hampshire industries. A Manchester software developer working with Boston fintech clients needs higher cyber liability limits than a Concord CPA serving local tourism businesses in the Lakes Region.
- 2
Work with a local agent
Find an agent who understands how New Hampshire's second-ranked national position in high-tech employment creates unique coverage needs and how business insurance costs vary across regions. Seacoast businesses in Portsmouth face different maritime-related risks than Nashua Technology Park firms, so local expertise helps you avoid overpaying for unnecessary coverage or leaving dangerous gaps.
- 3
Get quotes and compare coverage details
Request quotes from at least three insurers and examine how each policy handles cross-border professional work since many New Hampshire consultants serve Massachusetts clients. When comparing affordable business insurance in Dover, engineering firms should verify whether coverage extends to neighboring states and check that per-occurrence limits protect against claims from multiple clients simultaneously.
- 4
Research the best providers
Look beyond price to find insurers with strong AM Best ratings who understand New Hampshire's business landscape, from advanced manufacturing in the Merrimack Valley to seasonal tourism operations. Check the New Hampshire Insurance Department's complaint data and read reviews from other professionals in your industry to identify carriers that process claims efficiently during New Hampshire's harsh winters when business interruptions occur.
- 5
Consider bundling discounts
You'll save money by combining professional liability with general liability or business owner policies, which typically saves New Hampshire small businesses 10% to 25% depending on your industry and location. One Rochester medical practice in the Lakes Region saved 18% by bundling malpractice coverage with property insurance for its office, consolidating multiple types of business insurance and simplifying renewals through a single carrier relationship.
- 6
Don't let your coverage lapse
Maintain continuous professional liability coverage since claims-made policies only protect against lawsuits filed during active coverage periods, even for work completed years earlier. A Laconia architect who's designed vacation homes during the summer tourism season must purchase tail coverage (extended reporting coverage) when switching carriers or retiring to protect against future claims from those Lake Winnipesaukee projects.
Get New Hampshire Professional Liability Insurance Quotes
MoneyGeek matches New Hampshire businesses with professional liability providers suited to your industry. You'll receive customized quotes from top-rated companies using our comparison tool below.
Get Matched to the Best NH Professional Liability Insurer for You
Select your industry and state to get a customized NH professional liability insurer match and get tailored quotes.
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New Hampshire Professional Liability: Bottom Line
Finding the best professional liability insurance in New Hampshire means understanding your risks and choosing the right provider. ERGO NEXT ranks first in our analysis, but you should let your industry, client contracts and budget drive your decision. Assess your needs first, then partner with a local agent to compare coverage options that protect your business financially.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.