As a landscaper in New Hampshire, having proper insurance coverage is crucial for protecting your business, meeting state requirements, and securing contracts. This comprehensive guide breaks down essential insurance coverages New Hampshire landscapers need, including costs based on our analysis of actual quotes from leading carriers.
Access detailed landscaping maintenance business protection information in our guide.
General Liability Insurance for New Hampshire Landscapers
General liability insurance protects landscaping businesses against property damage and bodily injury claims. Based on our analysis of over 1,000 quotes from leading carriers, here are the typical costs for New Hampshire landscapers:
| Revenue Size | Average Premium | % of Revenue | Favorable Rate | Potential Savings |
|---|---|---|---|---|
| $150K | $2,000 | 1.3% | $1,400 | 30% |
| $500K | $5,700 | 1.1% | $3,500 | 39% |
| $1M | $11,000 | 1.1% | $5,600 | 49% |
These premiums assume:
- Clean claims history (5+ years without incidents)
- Standard $1M/$2M coverage limits
- One owner with varying employee counts based on revenue
- Approximately 10% subcontractor costs
Key coverage includes:
- Property damage during landscaping work
- Bodily injury to clients or bystanders
- Products and completed operations
- Equipment damage coverage
Worker’s Compensation Insurance for New Hampshire Landscapers
Worker’s compensation insurance is mandatory for New Hampshire landscapers with employees. Based on our analysis, typical costs are:
- Per Employee: $10,660 annually
- Per $100K Payroll: $3,800 annually
Key factors affecting premiums:
- Job classification codes (primarily 0042 for landscaping)
- Total payroll
- Claims history
- Safety programs
- Experience modifier rating
Additional Business Insurance for Landscapers in New Hampshire
1. Tools & Equipment Insurance
- Annual premiums: $200-$2,000
- Coverage range: $5,000-$15,000+
- Typical per-item limit: $5,000
2. Commercial Auto Insurance
- Annual premiums: $1,500-$3,050 per vehicle
- Standard coverage: $100K per person, $300K per accident
- Higher limits recommended: $500K-$1M
3. Surety Bonds
Premium ranges based on credit score:
| Bond Amount | Excellent Credit | Good Credit | Bad Credit |
|---|---|---|---|
| $5,000 | $100-$150 | $150-$200 | $200-$400 |
| $10,000 | $100-$300 | $300-$500 | $500-$1,000 |
| $15,000 | $150-$400 | $400-$750 | $750-$1,500 |
4. Commercial Property Insurance
- Annual premiums: $1,000-$5,000
- Covers buildings and contents
- Protection against fire, theft, vandalism
5. Business Owner’s Policy (BOP)
- Combines general liability and property coverage
- Often more cost-effective than separate policies
- Ideal for businesses with physical locations
Get New Hampshire Landscaper Liability with ContractorNerd
ContractorNerd makes landscaper insurance simple and data-driven through:
- Expert analysis of 1,000+ landscaper insurance quotes
- Specialized knowledge of New Hampshire requirements
- Multiple carrier options for best rates
- Streamlined application process
- Ongoing policy management support
- Claims advocacy when needed
Our team helps you:
- Find the most competitive rates
- Optimize coverage levels
- Bundle policies for additional savings
- Ensure compliance with state regulations
- Manage certificates and policy updates
Contact ContractorNerd today for tailored quotes and expert guidance on your landscaping insurance needs.