Contractors Insurance New Hampshire

Independent insurance agency

Contractors Insurance in New Hampshire

Discover hassle-free access to affordable, high-quality Contractors Insurance with Cunningham Associates Insurance!

Insurance Quotes

Get a Contractors insurance quote from our New Hampshire experts


What is contractors insurance?

Contractors insurance is a specialized type of coverage designed to protect contractors from various risks and liabilities associated with their work. This insurance typically includes several types of coverage, such as general liability, workers’ compensation, commercial auto, and equipment insurance. For contractors operating in New Hampshire, having adequate insurance is crucial to safeguarding their business, employees, and clients from potential financial losses due to accidents, property damage, or legal claims.

Contractors Insurance New Hampshire

Why is contractors insurance important in New Hampshire?

Contractors insurance is essential in New Hampshire due to the unique risks and regulations associated with the construction and contracting industry in the state. New Hampshire’s weather conditions, building codes, and legal requirements necessitate comprehensive coverage to ensure contractors may operate smoothly and comply with state laws. Without proper insurance, contractors may face significant financial burdens in the event of an accident, injury, or lawsuit, which may severely impact their business operations and reputation.

Get a Quote

Provide us with your details, and we’ll create a personalized quote designed specifically for your needs.


Contractors Insurance New Hampshire

What types of coverage are included in contractors insurance?

Contractors insurance typically includes the following types of coverage:

  • General Liability Insurance: Protects against claims of bodily injury, property damage, and personal injury related to the contractor’s work.
  • Workers’ Compensation Insurance: Covers medical expenses, lost wages, and rehabilitation for employees injured on the job, and shields contractors from lawsuits by injured workers.
  • Commercial Auto Insurance: Insures vehicles used for business purposes, covering accidents, theft, damage, and liability.
  • Equipment and Tools Insurance: Covers repair or replacement of essential tools and equipment if they are damaged, lost, or stolen.
  • Professional Liability Insurance: Protects against claims of negligence, errors, or omissions in the contractor’s work, covering legal fees and damages.

In New Hampshire, the following types of businesses typically need contractors insurance:

  • Construction Companies: Engaged in building, remodeling, or renovation projects.
  • Electrical and Plumbing Contractors: Providing specialized trade services that involve potential risks.
  • Landscaping and Lawn Care Businesses: Handling outdoor projects, including installations and maintenance.
  • General Contractors: Overseeing various construction and renovation projects.
  • Roofing Companies: Working on high-risk tasks like roof installations and repairs.
  • HVAC Contractors: Installing and repairing heating, ventilation, and air conditioning systems.
  • Painting and Drywall Companies: Working on interior and exterior finishes.
  • Masonry and Concrete Contractors: Engaged in stonework, bricklaying, and concrete projects.
  • Carpentry and Framing Businesses: Building and installing wooden structures and frameworks.
  • Demolition Companies: Involved in tearing down buildings or structures, requiring coverage for high-risk activities.

These businesses need contractors insurance to protect against risks, comply with legal requirements, and secure contracts.

The benefits of having contractors insurance in New Hampshire include:

  • Financial Protection: Covers costs related to accidents, injuries, and property damage, safeguarding against financial losses.
  • Legal Compliance: Ensures compliance with state laws, avoiding penalties and making contractors eligible for more projects.
  • Client Trust: Enhances credibility, making contractors more attractive to potential clients.
  • Business Continuity: Supports quick recovery from accidents or disasters, helping maintain operations and reputation.

Contractors insurance policies typically have exclusions, which are situations or incidents not covered by the policy. Common exclusions may include:

  • Intentional Acts: Damage or injury resulting from intentional acts or negligence by the contractor or employees.
  • Professional Services: Claims related to professional services or advice, unless covered by a professional liability policy.
  • Contractual Liability: Liabilities assumed under a contract, unless specifically included in the policy.
  • Pollution: Environmental damage or pollution, which may require separate environmental liability insurance.
  • Employee Injuries: Injuries to employees, which are covered under workers’ compensation insurance.

Many contractors insurance policies are designed to cover multiple job sites, providing protection across various locations where work is being performed. To ensure a specific policy meets the needs of covering multiple sites, it’s beneficial to consult with an experienced insurance agent. They can evaluate the policy details to confirm whether it offers adequate coverage for more than one job location, ensuring comprehensive protection for all your projects.

General contractor policies often extend coverage to subcontractors, but this can vary depending on the specific policy and its terms. Typically, general liability insurance for general contractors may include coverage for subcontractors while they are working on the contractor’s behalf. However, it’s important to check the policy details, as some insurers may require subcontractors to have their own insurance or may limit the coverage provided.

To ensure that subcontractors are adequately covered, it’s advisable to review the policy with an insurance agent.

Cunningham Associates Insurance

How can contractors in New Hampshire obtain contractors insurance coverage?

Reach out to the independent agents at Cunningham Associates Insurance for a fast quote on contractors insurance in New Hampshire. Our knowledgeable team understands the unique risks and requirements of the contracting industry and may help you customize a policy that provides comprehensive protection for your business. With our expertise and commitment to exceptional customer service, you can trust us to find the right coverage at competitive rates.

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!