New Hampshire Workers Compensation Insurance-Workmans Compensation

New Hampshire Workers Compensation Insurance Rules

New Hampshire Workers Compensation

1. Does my New Hampshire business need workers compensation insurance?

Any employer who employees full or part-time employees is required to provide workers compensation insurance. It does not matter if they are related, such as son, daughter, husband, etc. It also does not matter if the business is a "Non-Profit" organization.

2. In New Hampshire is there any exemptions from carrying workers compensation insurance?

Generally, there are no exemptions from carrying workers compensation insurance. However, there may be some cases that may be considered. You should consult with your workers comp provider for these situations.

3. Does New Hampshire workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

An independent contractor must meet the criteria defined in New Hampshire Labor guidelines 281-A-2.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

New Hampshire Workers Compensation

New Hampshire Workers Compensation Links

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