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Cargo Insurance in New Hampshire

For a household-goods move between New Hampshire points, the carrier must keep a cargo-insurance certificate on file; the current rule also allows an indemnity bond and sets a minimum of 60 cents per pound of each business vehicle’s registered load-carrying capacity. That formula is a carrier filing requirement, not your shipment’s declared value. 1,2

What Is Cargo And Transit?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. Read the national Cargo and transit guide.

New Hampshire Requirements

RequirementDetails
Intrastate household-goods carrier securityCargo insurance or indemnity bond, at least $0.60 per pound of registered load-carrying capacity of each vehicle used; certificate filed annually. 1,2

What to Watch for in New Hampshire

  • Read the Vehicle-Capacity Formula Correctly

    Saf-C 4602.02 measures the filing minimum by registered load-carrying capacity for vehicles used in the carrier’s business, not by the dollar value of the goods in your load. Ask for the policy or bond limit and compare it with your shipment’s actual maximum value. 2

  • Check Whether the Carrier Files a Policy or Bond

    RSA 359-T:8 and Saf-C 4602.02 allow a cargo-insurance certificate or an indemnity bond as the carrier’s security. Ask which instrument backs the filing, what legal entity it names, and how to make a claim against it. 1,2

  • Confirm the Current Annual Filing

    New Hampshire requires the security certificate with the carrier’s annual report, and the intrastate certificate applies to moves between points in the state. Verify the current carrier authority and vehicle schedule for your route rather than relying on an older certificate. 1,2

Who Regulates Insurance in New Hampshire

New Hampshire Insurance Department

The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416. 3,4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained. 7,8,9

Providers With Documented State Licenses

These providers publish a national listing for Cargo and transit; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in New Hampshire. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12

Questions to Ask Before You Buy in New Hampshire

  1. Which registered vehicles will move this shipment, and what are their cargo-policy or bond limits?
  2. Is the filed security a policy or an indemnity bond, and what claim process applies to my goods?
  3. Does my route begin and end in New Hampshire, and is the carrier’s state certificate current?

Cargo And Transit in New Hampshire: FAQ

What cargo insurance amount must a New Hampshire household-goods carrier file? 2

Saf-C 4602.02 sets a minimum of $0.60 per pound of registered load-carrying capacity for any vehicle used in the carrier’s business. The rule allows a policy or indemnity bond; it does not state the value of your individual shipment. 2

Does New Hampshire require a carrier certificate for an in-state household move? 1

Yes. RSA 359-T requires a household-goods carrier to hold a certificate for transportation between points in New Hampshire, and the permit remains effective only while the required property-protection insurance certificate is kept in force and submitted annually. 1

Cargo And Transit in Other States

Other Coverage in New Hampshire

Sources

  1. RSA Chapter 359-T, Carriage of Household Goods for Hire by Motor Vehicle. New Hampshire General Court; §§359-T:2, :8 and :13; 2022 Laws 14:1, effective Jan. 1, 2023. Accessed 2026-09-28.
  2. Saf-C 4600, Household Goods Carrier Rules. New Hampshire Department of Safety / Administrative Rules; Saf-C 4602.02(a)-(b); current revision #13828, effective Dec. 22, 2023; expiration Dec. 22, 2033. Accessed 2026-09-28.
  3. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  4. New Hampshire State License Division Information. Sircon (state-designated licensing service); State-specific Sircon page identifies NH Insurance Department Licensing Division and license services, but does not expose an unambiguous public producer/company search link. Public lookup destination remains an evidence gap; do not claim this route is the public license search. Accessed 2026-09-28.
  5. Consumer Complaint Form. New Hampshire Insurance Department; Official NHID fillable complaint form covers property/casualty including commercial; the official complaint process and 800-852-3416 are confirmed by Ins 102.08 at the source below. PDF endpoint returns HTTP 403 to this verifier, so retain it as a documented access limitation. Accessed 2026-09-28.
  6. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
  7. RSA 405-B:4, Single Home State Rate; Surplus Lines. New Hampshire General Court; Official statute: 3% on NH-allocated gross premium and other-state rates/fees on out-of-state allocations, less specified returned NH premium. Accessed 2026-09-28.
  8. RSA 405:24, Applicability; Issue. New Hampshire General Court; Required nonadmitted surplus-lines policy notice and eligible insurer/placement provisions; surplus lines are not subject to ordinary admitted-insurer regulation. Accessed 2026-09-28.
  9. RSA 405:24. New Hampshire General Court; Subsection III limits licensed surplus-lines placement to amounts not obtainable from an admitted company. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  16. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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