Workers’ compensation insurance New Hampshire with Huckleberry Insurance

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Workers’ compensation insurance New Hampshire with Huckleberry Insurance

New Hampshire workers' compensation laws

Running a business in New Hampshire requires that you have your finger on the pulse of a range of components. While you want to focus on making a profit and keeping your employees happy, there are other considerations to keep in mind, like insurance, beyond your day-to-day operations. 

Enrolling in small business insurance is recommended for all types of businesses, but there are other options available from an insurance carrier that you should explore, too. There are many optional insurances for business owners to choose from; however, workers’ compensation insurance is one policy type required by law.

In New Hampshire, all employees, whether they’re full-time, part-time, or even family members, must be covered by workers’ compensation. Enforced by the New Hampshire Department of Labor, it’s referred to as law RSA 281-A and, if not made available to your employees, could come with some expensive penalties.

Employers in the state of New Hampshire who do not provide compensation coverage may be fined up to $2,500 along with a $100 fine per employee per day that they remain non-compliant. For large companies with a significant number of employees, this can run into the five or six-figure mark very quickly. 

However, the workers’ compensation statute does grant an exception to these requirements under a very specific set of circumstances. Those who are self-employed, including sole proprietors and partners, are not responsible for enrolling in their own coverage. If these individuals work as subcontractors under a general contractor, they may need to have coverage.

It’s quick and easy to enroll in workers’ compensation coverage, and New Hampshire employers can even get a free workers’ compensation estimate with Huckleberry before they make a purchase. If you’re not in compliance with your coverage, now’s the time to make a change.

Workers’ compensation insurance New Hampshire with Huckleberry Insurance

How much is New Hampshire workers' compensation insurance?

While you may think that an insurance policy to cover all of your employees in the event of a work-related injury might be expensive, workers’ compensation coverage can be one of the more affordable expenses in your budget. Rates will vary by insurance company, but most New Hampshire small business owners pay an average of $210 per month, with some rates as low as $106 per month.

Even if you’re on a shoestring budget, you literally cannot afford to skip this important coverage. A workplace injury doesn’t simply involve initial medical treatment for your employee but can also include disability benefits, weekly compensation for lost wages, and costs related to ongoing medical care. When you combine those expenses with the possibility of being fined for non-compliance, it’s clear that enrolling in coverage makes the most financial sense. Visit Huckleberry today to learn more about how much workers’ compensation coverage may cost you.

Workers’ compensation insurance New Hampshire with Huckleberry Insurance

Workers' compensation benefits and coverage in New Hampshire

Many employers are surprised to learn that many workplace situations can be considered eligible for a workers’ compensation claim. Should one of your staff members become injured or ill due to a specific workplace activity or exposure to certain materials, they may file a claim.

You must gather as much information as possible from the injured employee if such an event takes place. You’ll need to note the date of injury along with details about what happened. Remember, while workers’ compensation claims can point to a slip and fall, laceration, or any number of other injuries, an employee may not be eligible for benefits due to injuries sustained while committing a crime, a disregard of company policy, or self-inflicted injuries.

Injured workers who have a legitimate claim are entitled to receive covered medical care for their illness or injury and may also be eligible for a partial disability or a permanent impairment award. The state of New Hampshire has specific guidelines in place regarding how much money an individual can receive while they are recovering.

Ultimately, employers should keep in mind that should a workers’ compensation claim affect their workplace, they will not be held personally responsible for payment. The workers’ compensation program is designed to offer employer indemnity rather than place companies at risk of spending their own profits on a workplace injury.

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Workers’ compensation insurance New Hampshire with Huckleberry Insurance

4 reasons why business owners in New Hampshire love Huckleberry

  1. It’s fast and easy. Skip the paperwork, enroll online, and get the coverage you need in about 5 minutes.
  2. You’ll save money. Huckleberry customers may save more on workers’ compensation insurance, freeing up room in your budget for other expenses.
  3. Coverage options are easy. You won’t be presented with countless confusing choices when it comes to your policy needs.
  4. You’re in control. Need a copy of your certificate of insurance or want to change your policy? Everything is accessible online without having to go through an agent.

FAQ: New Hampshire workers' compensation requirements

  • Self-employed individuals working in New Hampshire may not be required to enroll in a workers’ compensation insurance policy. Should you work as a subcontractor on a particular project, you may need this protection. Still, it’s recommended that you check with New Hampshire’s workers’ compensation division for more information.

  • New Hampshire employers who do not provide workers’ compensation coverage may face a one-time fine of $2,500 along with a fine of $100 per employee each day they are non-compliant. Remember, the cost of a workers’ compensation policy can be far cheaper than having to pay part of an employee’s average weekly wage, medical bills, and more in the event of a claim.

  • Yes, workers’ compensation coverage is required for any employees on your payroll, whether they are salaried staff members or hourly individuals who only work a few times per month. New Hampshire is very specific in its guidelines, stating that even family members who work for an individual on a part-time basis need to be provided this protection.

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