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Simple process. Affordable price. 70+ industries & growing.

New Hampshire Businesses We Cover with Workers’ Comp Insurance

New Hamsphire Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Manufacturing

Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for New Hampshire Businesses

Worker’s comp insurance for the White Mountain State.

Small and often overlooked, big adventure awaits in New Hampshire! Small businesses are helping visitors check off their bucket lists with hot air balloon rides, zip lining, exploring polar caves, mountain climbing, historic train rides, kayaking, and antiquing.

No New Hampshire day is complete without fresh seafood, like local haddock, steamers and lobster rolls. When tourists look for idyllic seaside towns and getting back to nature, New Hampshire is the place to be!

Times are a changing in New Hampshire, and New Hampshire offers a lot more than tourism. An original colony and the ninth state to enter the Union, New Hampshire’s olden days of cotton and wool mills and ship building are being replaced by smart technology factories. In 2013, high tech manufacturing paid 18% of all wages earned. However, the healthcare industry is nipping at manufacturing’s heels to be the economic top dog and catering to the state’s aging population. Filled with top research hospitals, clinics, biotech and pharmacology, opportunities abound for small businesses in both of these fields.

New Hampshire’s unemployment rate is low and the state enjoys a high growth rate, a perfect environment for a small business to flourish. There are 133,676 small businesses in New Hampshire that employ 291,348 employees. That’s 50.5% of the workforce and 99% of companies in the state.

Over half the current residents were not born here, but exist alongside the old-school New Hampshirites. You know the ones. We see them every four years on primary day, eating a hearty breakfast and wearing flannel. The mix of new and old is refreshing and intimate. The fresh air is said to be more Maine than Maine itself, and the leaf peeping is unsurpassed at Lake Winnipesaukee, the famous site of the lake vacation home in “What About Bob?” Adam Sandler, a native of New Hampshire, references summer camp here in his hilarious “Thanksgiving Song,” and it’s the home state of Aerosmith. Do the trail markers say “Walk This Way?”

Accidents happen, and you’ll be happy your small business is covered with Cerity. Bonus, you’re complying with state law too! Maple syrup it all and know that break room spills and slips are covered, even when the staff has a blueberry pancake cookoff. When your antique store worker sits down on a chair that collapses because termites had a grand feast, we’ve got that injury covered too.

Cerity is here to help New Hampshire small business workers’ comp needs, so get a quick online quote today and get back to living your dream!

New Hampshire Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

291,348

number of New Hampshirites employed by small businesses


15,996

number of workplace injuries


85%

amount of forested area


54

covered bridges


40

gallons of sap to make one gallon of maples syrup


Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.