Who Needs Workers' Comp in New Hampshire?
New Hampshire requires all employers to carry workers' compensation insurance under RSA Chapter 281-A. This applies to employers with one or more employees, including part-time, temporary, and seasonal workers. Sole proprietors and partners without employees can elect coverage but are not required to carry it.
Penalties for Non-Compliance
New Hampshire penalties include fines up to $2,500 plus $100 per day of non-compliance. The employer is personally liable for all employee injury costs. The New Hampshire Department of Labor enforces compliance and can issue stop-work orders. Repeated or willful violations carry enhanced penalties.
How New Hampshire Rates Work
New Hampshire uses NCCI class codes and is a competitive rating state where carriers file their own rates with the NH Insurance Department. The state has moderate workers' comp costs compared to neighboring New England states. The diverse economy and relatively small workforce contribute to stable rates.
Common New Hampshire Class Codes
| Code | Description | Risk Level |
|---|---|---|
| 8810 | Clerical Office Employees | Low |
| 8742 | Outside Salespersons | Low |
| 9101 | Restaurant NOC | Medium |
| 5190 | Electrical Wiring — Within Buildings | Medium |
| 5403 | Carpentry NOC | Medium-High |
| 5606 | Contractors — General | Medium-High |
| 5551 | Roofing — All Kinds | High |