New Hampshire law requires employers to provide workers' compensation insurance. The Workers' Compensation Insurance Coverage Verification page provides insurance coverage information for employers that have purchased a workers' compensation insurance policy. This information comes from policy information reported to the New Hampshire Department of Labor through its designated agent, the National Council on Compensation Insurance (NCCI).

Employer's Workers' Compensation Insurance Coverage Verification

Employer's Guide to Workers' Compensation - If you would like a copy of this Guide to be mailed to you, you may request one via our online Contact Form or you may print it directly from our website by clicking on the form name. This guide contains detailed summaries of most of the Workers' Compensation forms.

Suggestions for employers to stay violation free:

• Know the Labor Laws.

• Call the New Hampshire Department of Labor prior to implementing any new policy to ensure compliance with the New Hampshire Labor Laws.

• Call or visit the Department’s Web site once a year to request updates on any possible new laws or rules. (There is no charge for this information.)

• Contact the Department to schedule free training for staff or Managers on the New Hampshire Labor Laws and Rules.

1. I am thinking of establishing a business in NH. How do I go about providing workers' compensation insurance for my employees?
   

2. What are the requirements for workers' compensation?

3. Do you have to have workers' compensation on part-time employees?

4. Do I have to have workers' compensation on family members?

5. What constitutes an independent contractor?

6. If we have liability or health insurance, doesn't it take the place of workers' compensation?

7. Why am I getting a letter from the state when my workers' compensation is already paid?

8. How long do I have to file a claim for an injured employee?

I am thinking of establishing a business in NH. How do I go about providing workers' compensation insurance for my employees?

You may call any insurance agent offering workers compensation insurance.

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What are the requirements for workers' compensation?

Under the New Hampshire Workers' Compensation Law RSA 281-A:5, every employer who has any employees, full or part-time, is required to cover these employees with workers' compensation insurance written by a carrier. It does not matter if they are related, such as daughter, son, husband, etc. It also does not matter if the business is a "Non-Profit" organization.

RSA 281-A:2 VIII explains that if a corporation or limited liability company (LLC) has 3 or less executive officers or LLC members and no other employees, coverage is not mandatory but may be elected pursuant to RSA 281-A:3. Once there is a 4th executive officer or LLC members, workers' compensation insurance must be obtained. Once coverage is in place, all persons, including all officers or LLC members, are considered employees and would automatically be covered. Up to three executive officers or LLC members may then elect to be excluded per RSA 281-A:18a. Professional Associations are to be treated the same as corporations and LLC.

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Do you have to have workers' compensation on part-time employees?

Yes.

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Do I have to have workers' compensation on family members?

Yes.

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What constitutes an independent contractor?

An independent contractor must meet the criteria defined in RSA 281-A:2 VI. This includes possession of a federal employer identification number, having control over the performance of the work and the time the work is performed. An independent contractor is not required to work exclusively for one employer.

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If we have liability or health insurance, doesn't it take the place of workers' compensation?

No. Workers' Compensation is required by law under RSA 281-A whereas, liability and health insurance are voluntary coverages on your part.

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Why am I getting a letter from the state when my workers' compensation is already paid?

The Department of Labor sends a questionnaire five (5) days before the termination date if we have not received notification of new coverage or reinstatement of existing coverage from your carrier. This allows you to be aware of your coverage status.

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How long do I have to file a claim for an injured employee?

"Every employer or self-insurer shall record in sufficient detail and shall report or cause to be reported to the commissioner any injury sustained by an employee in the course of employment as soon as possible, but no later than (5) days after the employee learns of the occurrence of such an injury." If an employer fails to file a First Report of Injury, the employer may be subject to a fine of up to $2,500.00.

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