We offer customized general contractor insurance policies to small businesses and the self-employed in New Hampshire. Oh, and you save up to 10% when you bundle.
General liability insurance covers a wide range of general contractor business accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by clients and licensing agencies.
general liability can help you pay for:
Medical payments Property damage Legal fees and judgments
Professional liability insurance can help to pay for damages and lawsuit costs if you or your general contractor business is accused of work errors or incomplete projects that cause a client to lose money.
professional liability can help you pay for:
Legal defense costs Legal judgments
Workers’ compensation insurance provides a safety net for general contractor business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.
workers compensation can help you pay for:
Medical expenses Lost wages Employer liability
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs. Tools and equipment insurance is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Protection for your gear and equipment
Commercial property insurance is one of the most common types of small business insurance general contractor owners buy because of the different types of coverage it offers. It helps with replacement or repair costs if property is stolen or damaged due to a covered event, such as a burst water pipe, fire or vandalism.
commercial property can help you pay for:
Damaged equipment and inventory Lost income Operating expenses
NEXT makes sure that a general contractor in New Hampshire gets the right coverage for the most competitive rates. Policies are customized for you based on:
A general contractor business in New Hampshire can pay as little as $22 each month for business insurance. †
Your general contractor business risks can change from time to time and that can impact your insurance needs. We’re here to make sure you always have the right coverage.
From your first day of business to your latest employee hire, NEXT is here to help your business thrive. Our flexible small business insurance provides the protection you need to get going and keep on growing. You might need insurance to:
Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in New Hampshire.
Our contractor insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:
Your ladder slips and crashes through a living room window. The general liability coverage in your insurance package would help pay for a replacement.
A distracted homeowner trips over your extension cord, breaks their ankle and sues you. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.
Your employee has to get medical care and cancel some jobs after they slip and cut their finger with a drill. Workers’ compensation coverage with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.
You get into a fender bender with your work truck that was ruled your fault. Commercial auto coverage will help pay for the repairs and some of the rental costs, depending on the policy limits. This coverage is also usually required by law for business-owned vehicles.
Motor failure puts your compressor out of commission. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.
A water pipe bursts in your office and floods the entire space. Property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as fire, tornado or vandalism.
Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.
It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
Learn more about insurance options in the states where you work.
General contractor license requirements by state: NEXT Insurance guide
Are general contractors responsible for subcontractors?
6 common construction claims for general contractors and how to avoid them" />
6 common construction claims for general contractors and how to avoid them
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
What we cover Business Insurance General Liability Workers’ Compensation Commercial Property Business Personal Property Commercial Auto Professional Liability Errors and Omissions Tools & Equipment Business Owner's Policy Product Liability Employment Practices Liability LLC Business Insurance Liquor Liability Certificate of Insurance Who we insure Architects & Engineers Auto Services Construction Consulting Contractors Entertainment Financial Services Food Services Real Estate Top professions Carpenter Insurance Daycare Insurance Debris Removal Insurance General Contractor Insurance Handyman Insurance HVAC Insurance Landscaping Insurance Painters Insurance Personal Trainer Insurance Roofing Insurance Auto Repair Shop Yoga Teacher Insurance Retail Store Insurance Most popular Accountant Insurance Amazon Sellers Architect Insurance Catering Insurance Ecommerce Insurance Engineer Insurance Massage Insurance Photographer Insurance Real Estate Agent Insurance Restaurant Insurance Texas General Liability Florida General Liability California General Liability Become an Agent Help Center Insurance Glossary Partner With Us Find an Agent Chat with UsMon – Fri | 8 a.m. – 5 p.m. CT
© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United StatesIssuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.
† Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
