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New Hampshire Workers' Compensation Requirements
Required from your 1st employee
At a glance
1st
employee threshold (general)
1
construction threshold
Private market
buy from any carrier
NH Department of Labor
official source (verified 2026-09-08)
The details
Any employee (FT/PT) triggers; coverage must be in place BEFORE hiring (NH DOL). Penalties: up to $2,500 + $100/day/employee retroactive.
FAQ
Do I need workers' compensation in New Hampshire?
Yes — New Hampshire requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in New Hampshire?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in New Hampshire?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for New Hampshire's current enforcement posture.
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Official source: NH Department of Labor · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules