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Commercial Auto Insurance in New Hampshire

A New Hampshire common or contract passenger carrier cannot operate until it files insurance or a bond with the bureau, with per-accident limits that rise at eight and 13 seats. A household-goods carrier separately needs cargo protection of at least $0.60 per pound of registered load capacity and an annual insurance filing. 1,2,3

What Is Commercial Auto?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

New Hampshire Requirements

RequirementDetails
Common/contract passenger carrier limits1–7 seats: $100k/$700k/$100k; 8–12: $100k/$1.5m/$100k; 13+: $100k/$5m/$100k 1
Household-goods cargo protectionAt least $0.60 per pound of registered load-carrying capacity 2,3

What to Watch for in New Hampshire

  • Use the Rated Seat Count

    New Hampshire’s passenger-carrier table changes its per-accident bodily-injury amount from $700,000 to $1.5 million at eight seats, then to $5 million at 13. Confirm rated seating capacity and insurance class for every passenger unit before filing. 1

  • Keep Passenger Filings with the Bureau

    A certificate of insurance or indemnity bond is a prerequisite to common or contract carrier operation, and the bureau accepts only policies issued by insurers licensed in New Hampshire. Ask your insurer to send the filing and verify it is accepted before operating. 1

  • Calculate HHG Cargo Protection by Vehicle Capacity

    For household-goods service, New Hampshire measures the filing against $0.60 per pound of each vehicle’s registered load capacity. Compare the resulting amount with your largest load and quote the cargo terms separately from road-liability insurance. 2

  • Renew HHG Proof with the Annual Report

    The rules require an active household-goods carrier to submit its report annually by July 1 with a compliant insurance certificate, and each service vehicle must be registered annually. Put these filing dates on the fleet renewal calendar. 2,3

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. 4,5,6,7

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. 8,9,10

Providers With Documented State Licenses

These providers publish a national listing for Commercial auto; 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. 13
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 16

Questions to Ask Before You Buy in New Hampshire

  1. Does our passenger unit’s official rated seating place it in the 1–7, 8–12 or 13+ bracket?
  2. Can the insurer file the NH passenger certificate before the bureau authorizes service?
  3. What amount does the $0.60-per-pound formula produce for each household-goods vehicle?

Commercial Auto in New Hampshire: FAQ

What insurance does a New Hampshire common-carrier passenger vehicle need? 1

The bureau requires an insurance certificate or indemnity bond before operation. The rule sets $700,000 per accident for 1–7 seats, $1.5 million for 8–12, and $5 million for 13 or more, plus per-person and property limits. 1

How much cargo insurance does a New Hampshire household-goods mover need? 2,3

At least $0.60 per pound of the registered load-carrying capacity of any vehicle used in the business. The certificate must be filed annually with the carrier’s report. 2,3

Commercial Auto in Other States

Other Coverage in New Hampshire

Sources

  1. Saf-C 4500, §§4504.01–.02. New Hampshire Department of Safety; §4504.01(a)–(b): prerequisite insurer filing and insurer license; Table 4500.1 seat classes and bodily-injury/property limits; new rule effective Aug. 2, 2017. Accessed 2026-09-28.
  2. Saf-C 4600, §§4602.02, 4605.03, 4606.01. New Hampshire Department of Safety; §4602.02(a)–(b): cargo insurance/bond and $0.60 per lb load capacity; §4605.03 annual report due July 1; §4606.01 annual vehicle registration; revisions effective Dec. 22–23, 2023. Accessed 2026-09-28.
  3. RSA 359-T:8, Security for Protection of Property. New Hampshire General Court; 2022 law, effective Jan. 1, 2023: household-goods carrier keeps filed insurance certificate in force and resubmits annually with annual report. Accessed 2026-09-28.
  4. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  5. 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.
  6. 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.
  7. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
  8. 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.
  9. 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.
  10. 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.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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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