Contractors’ insurance protects against the financial risks present at all stages of business operations.
Construction is a highly profitable but hazardous business. The risks surrounding modern-day construction sites are no laughing matter, as workplace injuries continue to rise annually. But as risk and reward go hand-in-hand, New Hampshire contractors are willing to play a dangerous game to reap the bounties of a safe and prosperous project’s overall outcome. With hidden hazards lurking in every corner, only time stands between a simple mishap and severe injury or property damage. The financial fallout due to an unexpected lawsuit can wipe out an unprotected small business overnight, sending it to the brink of insolvency.
An affordable, highly-rated contractors’ insurance package can alleviate these risks by placing a financial hedge around your business assets to protect against third-party action.
New Hampshire contractors are encouraged to visit the New Hampshire Office of Professional Licensure and Certification to verify all pre-license and insurance requirements.
With customer service you can rely on, our licensed specialists are standing by to assist New Hampshire contractors with the available insurance options that fit your budget and business needs.
New Hampshire contractors’ general liability is the backbone of a well-structured commercial insurance package.
A New Hampshire contractor general liability policy shields your construction company from third-party bodily injury and property damage claims.
New Hampshire contractors’ general liability insurance — also known as a New Hampshire contractors’ business liability policy, protects against:
New Hampshire contractors’ workers’ comp is no-fault insurance that benefits employees with work-related injuries or illnesses.
A New Hampshire contractor workers’ comp policy provides:
An employer failing to comply with New Hampshire contractors’ workers’ comp mandates may be subject to fines and penalties.
Please log on to the New Hampshire Department of Labor to verify New Hampshire contractors’ workers’ compensation rules and regulations.
Various contractors may be required to post a New Hampshire contractor bond to operate legally within a city, county, or state jurisdiction.
A New Hampshire contractors’ surety bond protects contracted parties if the obligations fail to complete as agreed to in the bid.
Federal projects may require a New Hampshire contractor surety bond before bidding on a project or commencing operations.
A New Hampshire contractors’ commercial policy protects your business vehicles and trailers if damaged in an accident, stolen, or vandalized.
New Hampshire contractor commercial auto insurance can provide higher limits, hired and non-owned auto liability, no limits on the number of vehicles or drivers, and other endorsements not available on a personal auto policy.
Also known as a New Hampshire contractors’ business auto policy, New Hampshire contractors’ commercial auto insurance provides necessary coverage for:
A New Hampshire contractors’ inland marine policy will repair, replace, or reimburse lost or damaged tools, materials, products, and equipment on a job site, transported, or off-site storage.
New Hampshire contractor inland marine insurance provides installation risks and rented or leased equipment coverage.
New Hampshire contractor tools and equipment insurance will protect against such common perils: