Do I need workers compensation insurance?

Workers Compensation Insurance Requirements in New Hampshire

In New Hampshire, businesses must understand their obligations regarding workers compensation insurance to ensure compliance and protect their operations.

When Workers Compensation Insurance Is Required

Most employers with one or more employees are required to carry workers compensation insurance. This includes full-time, part-time, and seasonal employees. Independent contractors typically do not require coverage unless classified as employees under state rules.

Exceptions and Specifics

• Businesses with no employees generally do not need workers compensation insurance.
• Some agricultural employers and certain small employers may have different requirements or exemptions.
• Employers must provide coverage for all employees from the first day of employment.

Operational Considerations

• Business Registration: Ensure your business is properly registered with the New Hampshire Department of Labor.
• Insurance Procurement: Obtain workers compensation insurance through authorized carriers or the state’s workers compensation fund.
• Payroll Integration: Integrate workers compensation premiums into your payroll system for accurate recordkeeping and reporting.
• Compliance and Reporting: Maintain records of coverage and promptly report workplace injuries as required by state regulations.

As of 2026

Requirements may be updated, so regularly check the New Hampshire Department of Labor website for the latest information on workers compensation insurance mandates and operational guidelines.