Small business insurance in New Hampshire
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Policies for small business insurance in New Hampshire
biBerk is trusted by lots of companies for business insurance in New Hampshire. We offer flexible policies to protect you from the many types of risk New Hampshire businesses face. For commercial insurance in NH that’s affordable, effective, and backed by outstanding service, you can’t beat biBerk. Let’s look at the policies we offer for rock-solid financial protection.
Workers' Compensation insurance in New Hampshire
Your employees and their families will be glad to know you have workers’ comp coverage. This kind of New Hampshire business insurance helps protect your workers and your company if an employee gets hurt, contracts an illness, or dies as a result of an incident on the job. It can help to cover medical costs, legal fees, and even lost wages due to the injury. We offer tailored workers’ compensation insurance in New Hampshire to suit your business.
Workers' Compensationchevron_rightGeneral Liability insurance in NH
Also known as commercial liability insurance, general liability insurance in NH is a vital type of a company’s overall insurance strategy. It covers damages and legal costs associated with injury claims to customers and other people who don’t work for you, damage to other people's property caused by your business, and medical costs associated with these incidents. So, for example, if your employee’s ladder falls on a customer’s car in their driveway and breaks the windshield, you may be covered. This type of policy also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your New Hampshire business insurance, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
General Liabilitychevron_rightNew Hampshire Business Owners Policy (BOP)
Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for non-employee injuries and customer property damage) with coverage for your company’s property. This far-reaching coverage provides protection for the building you own or space you lease and any property needed to run your business. Additional benefits like business interruption coverage help to replace lost income and pay other costs associated with getting your business back on track in the event of property damage, like if a heavy snowfall collapses part of your roof. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.
Business Owners Policychevron_rightNew Hampshire Professional Liability insurance
You might hear people call this coverage errors and omissions (E&O) insurance. It can protect your business from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. This important coverage protects you from mistakes made by your business (errors) and any failure to perform a service (omissions). For example, let’s say you’re an architect and your building design has flaws that hurt your client financially. Your policy can protect you from the financial fallout. You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightNew Hampshire Cyber insurance
You can purchase this type of commercial insurance in New Hampshire as an add-on to a general liability policy, professional liability policy, or business owners policy (BOP). It helps cover specified costs related to system hacks or data security breaches. When sensitive information has been taken, it’s best to be prepared with cyber insurance coverage.
Cyber Insurancechevron_rightNew Hampshire Umbrella insurance
When buying business insurance in New Hampshire, you learn that every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection. It can cover costs that exceed the limit of another liability policy, subject to its own limit. Without umbrella coverage, you might be responsible for anything over your policy limit. Business liability suits can be expensive—easily exceeding the actual value of many small businesses. So, we highly recommend an umbrella policy to protect your company.
Umbrella Insurancechevron_rightWe cover all kinds of professionals and businesses in New Hampshire, including:
- Accounting businesses
- Advertising services
- Amusement and recreation services
- Appraisers
- Attorneys and legal services
- Auto garages
- Bakeries
- Building electrician services
- Building management firms
- Building moving and raising companies
- Business consulting companies
- Carpentry companies
- Carpet and flooring installation
- Clothing, retail, and other stores
- Computer software developers
- Conduit construction companies
- Dining establishments
- Doctor and osteopath offices
- Drain cleaning and plumbing services
- Electrical contractors
- Exercise centers
- Exterior and interior painters
- HVAC companies
- In-home nursing services
- Insurance companies
- Landscaping and gardening
- Marketing firms
- Masonry services
- Media relations agencies
- Messengers and couriers
- Personal service providers
- Photography services
- Produce markets
- Real estate agents
- Residential cleaning services
- Salespersons
- Salons and barber shops
- Securities and commodities businesses
- Small appliance repair
- Tile, stone, and mosaic installers
- Trucking companies
- Welding and metal cutting companies
Why biBerk for business insurance in New Hampshire?
We’re the experts when it comes to New Hampshire small business insurance.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk the best choice for small business insurance in NH?
Whether it’s workers’ comp in New Hampshire or other small business insurance, we take pride in being less expensive and easier to do business with than other insurance companies. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
Who turns to biBerk for small business insurance in NH?
biBerk helps business stakeholders at all stages of their journeys. New small business owners rely on us to make getting comprehensive coverage easy. They’re juggling lots of tasks, so they like working with a company they can trust and rely on for the various policies they need—all at great rates. Our attentive support and step-by-step guidance as they buy and use insurance policies gives them tremendous peace of mind.
Advanced coverage for growing businesses
Experienced business owners are often focused on challenges like maintaining proper coverage as their companies grow, including advanced protection strategies for unique risks. Like all business professionals, they continue to want and need the type of cost-effective business insurance solutions biBerk provides. Seasoned business pros are also looking for actionable insights on risk management.
Expert support for advisors and consultants
At biBerk, we also work with small business advisors and consultants. They get value from the articles and other resources we provide and the expert insights in them. They also like talking with our licensed insurance experts, who can provide industry best practices and other guidance they can pass along to their clients.
What small business insurance in New Hampshire is required?
Workers' Compensation insurance
In New Hampshire, every business with employees, full or part-time, is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re required to have workers’ comp coverage but you don’t have it.
Other policy considerations
Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your New Hampshire company is one of the smartest business decisions you can make.
What’s the cost of small business insurance in NH?
The cost of business insurance in New Hampshire depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Learn what you’ll pay for New Hampshire business insurance by getting instant, online quotes for any policies you need.
Frequently asked questions about small business insurance in New Hampshire
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What types of insurance are typically required for small businesses in New Hampshire?
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Small businesses in New Hampshire usually need general liability insurance and workers' compensation insurance (if they have employees). Depending on their operations, they might also need property insurance (like in a BOP), commercial auto insurance, and professional liability insurance.
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How much does small business insurance typically cost in New Hampshire?
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The cost of small business insurance in New Hampshire varies based on factors like the business type, size, coverage needs, and risk factors. Annual premiums can range from a few hundred to several thousand dollars.
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Are there any industry-specific insurance requirements in New Hampshire?
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Some industries in New Hampshire might have specific insurance requirements. For example, contractors often need liability insurance and businesses involved in transportation might have to have commercial auto insurance
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How do I figure out the right coverage amounts for my small business in New Hampshire?
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To determine the right coverage amounts, assess your company’s risks, assets, and potential liabilities. Then, talk with biBerk. We can help tailor your insurance portfolio to your needs and budget.
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What’s the typical process for filing an insurance claim in New Hampshire?
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The process for filing an insurance claim in New Hampshire involves promptly notifying biBerk. You can do that on our website. Our system walks you through getting the process started. Actions like completing claim forms accurately, submitting necessary documentation (such as photos or receipts), cooperating with any investigations, and responding to communications in a timely manner help expedite claims processing.
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How quickly will my insurance claims be processed and resolved in New Hampshire?
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The timeframe for processing and resolving insurance claims in New Hampshire varies depending on the complexity of the claim and other factors. But you can be sure that once you report a claim, our team addresses it as quickly and efficiently as possible.
New Hampshire small business insurance in three simple steps
Get a quote
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today
Trust biBerk for business insurance in New Hampshire and save up to 20%.