Contractor Insurance
in New Hampshire
Same-day quotes. Flexible coverage. Local compliance made simple.
Whether you’re framing homes in Manchester or handling plumbing in Concord, we make it easy to get insured and stay licensed—without overpaying.
Why Contractors in New Hampshire Choose ACI
Local Expertise
We understand New Hampshire contractor licensing, bond, and insurance requirements.
Same-Day Certificates
Get instant proof of coverage so you never miss a job.
Flexible Payment Options
Affordable plans with as little as 20% down.
Bundled Policy Discounts
Combine coverages and save up to 25% overall.
Insurance Coverage We Offer in New Hampshire
We provide comprehensive protection for licensed and unlicensed contractors across the state.
- General Liability Insurance
Protects against third-party injury or property damage claims—often required to win bids or obtain licenses.
- Workers’ Compensation Insurance
Covers medical bills and lost wages for injured employees. Mandatory if you hire staff—even part-time.
- Commercial Auto Insurance
Covers your business-owned vehicles, whether you’re transporting tools, crews, or materials.
- Tools & Equipment Insurance
Reimburses you for stolen or damaged gear—on the road, on-site, or in storage.
- Builder’s Risk Insurance
Covers damage to buildings under construction caused by fire, vandalism, theft, and more.
- Professional Liability Insurance
Helps protect contractors who offer design, consulting, or advisory services from costly disputes or claims.
Who We Cover in New Hampshire
From one-person crews to multi-team construction companies, we insure contractors across all trades and experience levels.
Trades We Serve:
- General Contractors
- Roofers
- Plumbers
- Electricians
- Painters
Whether you’re on your own or managing a crew, we’ve got the coverage your New Hampshire contracting business needs.
How Much Does Contractor Insurance Cost in New Hampshire?
Contractors in New Hampshire typically pay between $85 and $200/month for general liability insurance. However, exact rates depend on multiple business-specific factors:
Cost Factors
- Trade Type
Roofers and high-risk contractors pay more than handymen or painters.
- Team Size
More employees means higher workers’ comp premiums.
- Coverage Limits
The more protection you choose, the higher your premium.
- Business Experience
Lower rates for contractors with more years in business and clean claim histories.
- Revenue & Location
Larger contracts and metro areas may impact rates.
Looking for a number that fits your budget?
Get a fast, personalized quote based on your trade, team size, and coverage needs.
New Hampshire Contractor Insurance Requirements
Here’s what contractors in the Granite State need to know:
General Liability Insurance
Not mandated by New Hampshire state law, but often required to secure licenses, bid on jobs, or meet client agreements.
Workers’ Compensation Insurance
Required for any business with one or more employees, including part-time staff and family members. Sole proprietors are exempt unless a general contractor or client contract requires it.
Commercial Auto Insurance
Required for any business vehicle titled under your company or used primarily for work-related purposes.
Requirements can vary by municipality or license type. Let ACI help you stay compliant.
Get a Free Contractor Insurance Quote
in New Hampshire
Skip the confusion—get contractor insurance that’s clear, affordable, and built to meet New Hampshire’s licensing and jobsite requirements. We make it simple to protect your business and keep projects moving.