- Many IT businesses based in New Hampshire have work throughout New England and beyond. If you have employees working in other states, be sure to report payroll in each state to your workers' comp insurance carrier. If you fail to do so, your employees in those states may not be covered.
- Because your workers' comp premiums are based on your workforce projections, estimate your employment projections carefully. If you get them wrong, you could pay more in premiums than necessary.
- Tropical cyclones have been known to cause flooding in New Hampshire. Check your commercial property insurance policy for flood and water damage coverage, which are often excluded and may need to be purchased separately. If you're not sure if you're covered, ask TechInsurance for a free policy review.
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With a growing population1, no personal income tax or sales tax, and close proximity to the business center of Boston, New Hampshire is a fantastic home base for an IT business. Protect your business – and all that you have invested in it – with commercial insurance from the IT insurance experts at TechInsurance. Whether you need professional liability, general liability, property or workers' comp coverage, we can get you covered, fast, at a great rate.
Weather the Storm in New Hampshire
While New Hampshire is a great place for business, its coastal New England location means that business owners here must keep a close eye on the weather. Thanks to tropical cyclones, freezing nor'easters and long, white winters, this is one state where it pays to protect your business with property and business interruption insurance. Ask your TechInsurance agent for more information about how to protect your business property against risks specific to the New Hampshire area.
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If you're looking for any of the following types of insurance, we've got you covered:
You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.
Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.
Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.
If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.
1. U.S. Census Bureau: Resident Population of the 50 States, the District of Columbia, and Puerto Rico: 2010 Census and Census 2000.
STATE INSURANCE LINKS
- Piercing the Corporate Veil
A corporation is a legal entity created by or under the authority of the laws of a state. The corporation is distinct from the individuals who comprise it. That is, a corporation is distinct from its shareholders.
- What To Expect if You Cancel Your E&O Policy Early
If you're thinking about canceling your errors & omissions insurance policy before the end of the one-year term, it pays to understand how much of a refund or "return premium" to expect. The return premium is the amount of the insurance premium that was not used or "earned."...