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Workers’ Compensation Insurance in New Hampshire

New Hampshire generally requires a private employer with one or more employees to secure workers’ compensation, including employees hired outside the state who work here. The statute excludes up to three qualifying corporate officers or LLC members from the employee count, with a separate filed election available for their policy exclusion. 1,3,2

What Is Workers’ Compensation?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

What to Watch for in New Hampshire

  • Out-of-State Hire Does Not Remove New Hampshire Exposure

    The employer definition includes employees whose contract was entered outside New Hampshire if they are actually employed on work in the state, and §281-A:5-f applies the chapter to nonresident employers doing business here. Ask the broker to add New Hampshire before a traveling employee performs work locally. 1,2

  • Up to Three Owners May Be Excluded Only After Filing

    A corporation or LLC may exclude up to three executive officers or members, but the election is invalid unless properly filed with the Commissioner. Ask for confirmation of the filed exclusion; do not treat an owner title alone as proof. 3

  • Direct Payment Requires Proof to the Commissioner

    An employer may furnish satisfactory proof of financial ability to pay compensation directly instead of insuring through a licensed carrier. Private self-insurers must maintain actuarially sound loss reserves and specific excess insurance. Ask for approval and current financial/actuarial filings before treating a self-insurance plan as active. 2,6

  • Domestic Workers Have a Separate Home-Policy Route

    New Hampshire requires authorized homeowners, tenant, or personal-liability insurers to provide workers’ comp for domestic employees unless the employer has a separate policy. Tell your agent if household staff work at your residence so the coverage route is explicit. 5

  • A Coverage Gap Can Create Daily Civil Penalties

    An employer that fails to secure compensation may face a civil penalty up to $2,500 plus up to $100 per employee for each day of noncompliance, assessed from the first day for no more than one year. Confirm uninterrupted policy dates when changing carriers or self-insurance arrangements. 4

Who Regulates Insurance in New Hampshire

New Hampshire Insurance Department

The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416. 7,8,9,10

Surplus-lines tax and stamping office

Reported tax rate: 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained. 11,12,13

Providers With Documented State Licenses

These providers publish a national listing for Workers’ compensation; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in New Hampshire. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 16
  • ERGO NEXT InsuranceNext First Insurance Agency, Inc.Insurance producer · checked 2026-09-28ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. 18
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 17
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 19
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 20

Questions to Ask Before You Buy in New Hampshire

  1. Are our out-of-state employees actually working in New Hampshire and listed on the policy?
  2. Has the Commissioner received our exclusion filing for each executive officer or LLC member?
  3. What reserves, excess insurance, and annual filings support our self-insurance status?

Workers’ Compensation in New Hampshire: FAQ

Does New Hampshire require workers’ comp for one employee? 1,3

Yes, generally. The statute includes private employers with one or more employees and includes employees hired elsewhere who actually work in New Hampshire, but excludes up to three qualifying corporate officers or LLC members from the count. 1,3

Can a New Hampshire LLC exclude its members from workers’ comp? 3

An LLC may elect to exclude up to three members, but an exclusion is valid only after it is properly filed with the Commissioner. 3

Workers’ Compensation in Other States

Other Coverage in New Hampshire

Sources

  1. RSA 281-A:2, Definitions. New Hampshire General Court; VIII(a): private employer with one or more persons; out-of-state employment actually performed in New Hampshire; accessed 2026-09-28. Accessed 2026-09-28.
  2. RSA 281-A:5, Securing Payment of Compensation. New Hampshire General Court; I–IV: authorized insurance, domestic coverage cross-reference, financial proof for direct payment; accessed 2026-09-28. Accessed 2026-09-28.
  3. RSA 281-A:18-a, Exclusion of Executive Officers and LLC Members. New Hampshire General Court; I–IV: up to three exclusions; filing required; source effective January 4, 2008; accessed 2026-09-28. Accessed 2026-09-28.
  4. RSA 281-A:7, Liability of Employer Failing to Comply. New Hampshire General Court; I(a)(1): penalty up to $2,500 plus up to $100 per employee/day, no more than one year; source amended 2023, effective July 1, 2023; accessed 2026-09-28. Accessed 2026-09-28.
  5. RSA 281-A:6, Securing Payment of Compensation for Domestics. New Hampshire General Court; Domestic coverage included with homeowners, tenant, or comprehensive personal-liability insurance unless a separate workers’ compensation policy covers domestics; source effective July 1, 1989; accessed 2026-09-28. Accessed 2026-09-28.
  6. RSA 281-A:5-a, Self-Insurance for Private Employers. New Hampshire General Court; I–III: actuarial loss reserves, specific excess insurance and administrator contracts; effective June 8, 1992; accessed 2026-09-28. Accessed 2026-09-28.
  7. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  8. New Hampshire State License Division Information. Sircon (state-designated licensing service); State-specific Sircon page identifies NH Insurance Department Licensing Division and license services, but does not expose an unambiguous public producer/company search link. Public lookup destination remains an evidence gap; do not claim this route is the public license search. Accessed 2026-09-28.
  9. Consumer Complaint Form. New Hampshire Insurance Department; Official NHID fillable complaint form covers property/casualty including commercial; the official complaint process and 800-852-3416 are confirmed by Ins 102.08 at the source below. PDF endpoint returns HTTP 403 to this verifier, so retain it as a documented access limitation. Accessed 2026-09-28.
  10. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
  11. RSA 405-B:4, Single Home State Rate; Surplus Lines. New Hampshire General Court; Official statute: 3% on NH-allocated gross premium and other-state rates/fees on out-of-state allocations, less specified returned NH premium. Accessed 2026-09-28.
  12. RSA 405:24, Applicability; Issue. New Hampshire General Court; Required nonadmitted surplus-lines policy notice and eligible insurer/placement provisions; surplus lines are not subject to ordinary admitted-insurer regulation. Accessed 2026-09-28.
  13. RSA 405:24. New Hampshire General Court; Subsection III limits licensed surplus-lines placement to amounts not obtainable from an admitted company. Accessed 2026-09-28.
  14. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  15. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  16. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  17. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  18. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  19. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  20. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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