Demolition Contractors Insurance Requirements in New Hampshire
What New Hampshire property managers should require from demolition contractors vendors
GL Minimum: $2,000,000/$4,000,000
Workers Comp: Required
If you manage properties in New Hampshire and hire demolition contractors contractors, verifying their insurance coverage is not optional. New Hampshire law requires workers compensation for employers with Any employer, and commercial property owners are expected to verify adequate general liability coverage before allowing any contractor on site.
Demolition Contractors Insurance Requirements in New Hampshire
| Coverage Type | Recommended Minimum |
|---|---|
General Liability | $2,000,000 / $4,000,000 |
Workers Compensation | Required (Any employer) |
Commercial General Liability | $2,000,000 / $4,000,000 |
Workers' Compensation | Statutory limits |
Pollution / Environmental Liability | $1,000,000 |
Umbrella / Excess Liability | $2,000,000 |
Inland Marine / Equipment | $250,000 |
National Guide
Demolition Contractors Insurance Requirements
State Guide
New Hampshire Insurance Requirements
Frequently Asked Questions
What environmental insurance do I need for demolition of older buildings?▼
For any building constructed before 1978, assume asbestos and lead paint are present until a pre-demolition environmental survey proves otherwise. Require the demolition contractor to carry at least $1M in pollution/environmental liability covering asbestos, lead, and other hazardous material exposure. The survey should be performed by an independent environmental consultant, not the demolition contractor.
How do I protect against damage to adjacent properties during demolition?▼
Require the demolition contractor's GL policy to specifically cover damage to adjacent structures from vibration, debris, and equipment operations. Consider requiring a pre-demolition condition survey of adjacent properties to establish a baseline. Notify adjacent property owners in writing before demolition begins and require the contractor to maintain dust and debris containment measures throughout the project.
What should I look for in a demolition contractor's safety program?▼
Request a site-specific safety plan that addresses structural assessment, hazardous material handling, equipment operation, public protection, and emergency response. Verify the contractor's EMR is at or below 1.0, indicating an average or better safety record. Check their OSHA citation history and request their most recent three years of loss runs from their insurance carrier.
Is interior demolition less risky than structural demolition?▼
Interior demolition carries lower risk of structural collapse but still presents significant hazards including asbestos and lead exposure, electrical and plumbing hazards from live utilities, and dust and noise in occupied buildings. The GL requirements may be somewhat lower ($1M/$2M for minor interior demo) but workers' compensation and pollution liability requirements remain the same. Always require a hazardous materials survey before any interior demolition.
Do demolition contractors in New Hampshire need a license?▼
Licensing requirements for demolition contractors vary by municipality in New Hampshire. Check with your local licensing board and always request proof of current licensure on the COI.
What happens if my demolition contractors's insurance expires in New Hampshire?▼
In New Hampshire, you as the property manager could be held liable for injuries or damages caused by an uninsured demolition contractors on your property. New Hampshire courts have consistently ruled that property owners have a duty to verify contractor insurance before allowing work to begin.
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