Contractor Insurance Requirements in New Hampshire

New Hampshire does not issue a statewide general-contractor license with one universal GL minimum. Insurance requirements appear through licensed trades, municipal registrations, owner contracts and permit offices, so a residential GC COI should be required even when the state credential is not a GC license. The citation trail is N.H. Rev. Stat. Ann. chs. 155-A, 319-C, 329-A. Treat the quoted number, when one exists, as a licensing floor rather than a safe project limit. A homeowner should request a current Certificate of Insurance showing the exact legal name, policy number, effective dates, occurrence and aggregate limits, products/completed operations, and any additional-insured wording required by the contract or permit office. Where New Hampshire does not publish a statewide GL minimum, ProFix describes market ranges only as verification guidance, not as law. Roof, structural, excavation, mold, fire, solar and multi-trade projects should usually be reviewed for umbrella or excess liability because standard GL can contain residential, roofing, pollution, subsidence or subcontractor exclusions.

Workers' compensation is required for New Hampshire employers with one or more employees. A contractor claiming no employees should provide a written exemption basis, and subcontractors should be checked separately. Cite N.H. Rev. Stat. Ann. §§ 281-A:5, 281-A:2. Coverage is purchased from private carriers or approved self-insurance. The certificate should match the legal name used for the OPLC trade license, local registration or contract. For residential hiring, the key question is not only whether the contractor has a policy, but whether the people entering the home are covered by that policy. Ask whether subcontractors are employees, independent businesses with their own WC, or excluded owners. If the contractor says it is exempt, request the state exemption form or written statutory basis and keep it with the contract file. A GL policy does not pay statutory wage-loss and medical benefits for an injured worker, and an occupational accident policy is not always a substitute for workers' compensation.

There is no statewide New Hampshire GC license bond. Bonds are imposed by municipalities, public owners, right-of-way permits or specific trade programs, and they do not replace GL or WC coverage. The legal anchor is N.H. Rev. Stat. Ann. chs. 447, 155-A. A license bond is not the same thing as liability insurance: it is a surety promise that may reimburse a claimant only after a covered violation, and the surety normally seeks reimbursement from the contractor. It also is not always a performance bond guaranteeing completion of one homeowner's project. For residential work, ask who the obligee is, the bond amount, the effective dates, cancellation notice, and whether the bond is tied to the state license, a city registration, a right-of-way permit or a specific contract. For public or large commercial work, separate bid, performance and payment bonds can be required even when no residential license bond exists.

Residential work depends on local permits and trade credentials more than a statewide GC license. Commercial work adds lease requirements, plan review, fire code approvals and higher contractual GL limits. For insurance review, residential work should be tested against the homeowner contract, permit office, lender, HOA or condo requirements, and the license classification. Commercial work usually scales faster because leases, architects, public owners and general contractors often require additional insured status, waiver of subrogation, primary-and-noncontributory wording, higher auto limits and umbrella coverage. A contractor who is legal for a small repair may still be underinsured for a structural addition, roof replacement, fire restoration or job involving subcontractors.

Electrical, plumbing, gas, septic, asbestos, lead and fire-protection work should be checked against OPLC, state fire-safety and environmental programs. A local building permit is not proof that a specialty trade is licensed or insured. Federal overlays still matter in every state: renovation of pre-1978 painted surfaces can require EPA Renovation, Repair and Painting compliance under 40 C.F.R. Part 745, and asbestos disturbance can trigger OSHA construction asbestos rules at 29 C.F.R. § 1926.1101 plus state notification or licensing. Specialty insurance should match the hazard. Ask about professional liability for design-build advice, pollution or microbial coverage for mold and sewage, rigging/crane coverage for HVAC rooftop units, and hot-work controls for welding or torch-down roofing. A general liability COI with a low premium can be misleading if the trade that caused the loss is excluded.

Check OPLC trade licenses and the local building department, then verify GL and WC certificates directly with the producer. The New Hampshire Insurance Department can help consumers confirm insurer authority and file insurance complaints. Use three documents together: the state or local license record, the COI, and the bond or workers' compensation proof. The license board URL for New Hampshire is https://www.oplc.nh.gov/, and the insurance regulator URL is https://www.insurance.nh.gov/. Match the business name, DBA, address and license number across all documents; mismatches are the fastest way to spot borrowed insurance or an unlicensed subcontractor. Call the producer listed on the COI, not a phone number supplied only in a text message. For larger residential jobs, require updated certificates before each draw and before final payment. This is an insurance-compliance checklist, not legal advice, and the local permit office can impose stricter conditions than the statewide baseline.