New Hampshire commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in New Hampshire files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in New Hampshire. This page summarizes the 1 active filings we track for New Hampshire across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in New Hampshire
New Hampshire runs a private Workers' Comp market. Rate filings are reviewed by the New Hampshire Insurance Department. We track 1 distinct classification(s) for New Hampshire across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two New Hampshire businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines represented are Workers Compensation. The most-recent New Hampshire filing we track is effective January 2026. Every row below links to its SERFF tracking number so the New Hampshire regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for New Hampshire employees injured on the job — mandatory in New Hampshire once you have staff.
In New Hampshire, Commercial Multiple Peril carriers earned about $333M in premiums at a 47.5% loss ratio and a 7.5% underwriting profit (NAIC 2023). In New Hampshire, Commercial General Liability carriers earned about $326M in premiums at a 54% loss ratio and a 1.4% underwriting profit (NAIC 2023). In New Hampshire, Workers Compensation carriers earned about $238M in premiums at a 42.6% loss ratio and a 17.2% underwriting profit (NAIC 2023). In New Hampshire, Inland Marine carriers earned about $150M in premiums at a 41.9% loss ratio and a 24.5% underwriting profit (NAIC 2023). In New Hampshire, Commercial Auto carriers earned about $141M in premiums at a 47.8% loss ratio and a 20% underwriting profit (NAIC 2023). In New Hampshire, Commercial Property carriers earned about $61M in premiums at a 48.8% loss ratio and a 25.3% underwriting profit (NAIC 2023). In New Hampshire, Medical Professional Liability carriers earned about $56M in premiums at a 55.7% loss ratio and a -3% underwriting profit (NAIC 2023). In New Hampshire, Product Liability carriers earned about $17M in premiums at a 20.8% loss ratio and a 30.2% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in New Hampshire, beyond the filed loss costs above.
- New Hampshire rate filings are public, primary-source records; every figure here traces to a SERFF tracking number you can verify with the state regulator.
- Your actual New Hampshire premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | NH | -6.1% voluntary / -5.4% assigned risk; ~66% cumulative over 14 yrs | Jan 1, 2026 | NCCI-134602729 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Get a real New Hampshire quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free New Hampshire quote in under 90 seconds.
Get a free New Hampshire quote →Related New Hampshire cost pages
New Hampshire-specific cost guides for the verticals we cover:
New Hampshire insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in New Hampshire — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →