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Crime insurance in New Hampshire: check employee and payment-order definitions

Start by identifying losses that would strain your business: employee theft of money or property, forged checks, cash in transit, or a wire redirected after email impersonation. New Hampshire's current UCC chapter includes certain retained contractors in the check-endorsement rule and says a known email, IP address, or phone alone is not a bank security procedure. Neither rule decides what your crime policy covers. Compare the form's actual grants, limits, and reporting duties. 1,2

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What to Watch for in New Hampshire

  • Tell the broker who handles instruments

    RSA 382-A:3-405 includes an independent contractor and an employee of an independent contractor retained by the employer within “employee” for its fraudulent-endorsement rule. Responsibility includes signing, processing, preparing, supplying payee information, and controlling instruments; mere access to stored, transported, or mailed checks is excluded. This commercial-law allocation does not prove that a contractor meets your policy's employee definition or that a resulting loss is covered. 1

  • Confirm more than a known address with the bank

    RSA 382-A:4A-201 defines a security procedure as one established by agreement with the receiving bank and says signature comparison or requiring orders from a known email, IP address, or phone number alone is not a security procedure. The operative text reflects 2022 chapter 281, §27, effective January 1, 2023. Ask the bank for the entire procedure and review any insurer verification condition separately. 2

  • Report a suspected transfer loss without waiting

    RSA 382-A:4A-204 sets a customer-bank notice rule for unauthorized payment orders: failure to use ordinary care and notify the bank within a reasonable time capped at 90 days after bank notice removes interest on a refund, while late notification alone does not entitle the bank to recover from the customer. That rule does not set the policy's claim deadline. The FBI advises immediate bank contact and an IC3 report for BEC. 3,4

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. 5,6,7,8

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. 9,10,11

Providers With Documented State Licenses

These providers publish a national listing for Crime; 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.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 13
  • 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. 14
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 18

Questions to Ask Before You Buy in New Hampshire

  1. How does the policy define employee for independent contractors, temporary workers, and outsourced bookkeepers or payment processors?
  2. Which grant and limit applies if an employee steals company property, alters a check, or sends a wire after a spoofed vendor request?
  3. Does the bank's written security procedure include a callback or verification step, and does the quote impose a matching condition?
  4. What discovery, notice, proof-of-loss, and cooperation periods apply to the insurance claim?
  5. How are cash in transit, employee theft, computer fraud, and social engineering limited or retained?

Crime in New Hampshire: FAQ

Is a known email or phone enough to constitute a security procedure under New Hampshire's UCC? 2

No. RSA 382-A:4A-201 says requiring a payment order from a known email, IP address, or phone number, or signature comparison alone, is not by itself a security procedure. 2

Does RSA 382-A:4A-204 give a 90-day window to report the loss to the insurer? 3

No. It addresses notice to the receiving bank and interest on a potential refund. The policy contains separate insurer-notice and proof-of-loss terms. 3

Crime in Other States

Other Coverage in New Hampshire

Sources

  1. New Hampshire Revised Statutes Annotated, RSA chapter 382-A, Uniform Commercial Code. New Hampshire General Court, Office of Legislative Services; RSA 382-A:3-405, subsections I–II; full official chapter opened September 28, 2026; source 1993, 346:1, effective January 1, 1994; online code current through 2025 regular session per official RSA portal. Accessed 2026-09-28.
  2. New Hampshire Revised Statutes Annotated, RSA chapter 382-A, Uniform Commercial Code. New Hampshire General Court, Office of Legislative Services; RSA 382-A:4A-201 and source note 2022, 281:27, effective January 1, 2023; full official chapter opened September 28, 2026; code current through 2025 regular session. Accessed 2026-09-28.
  3. New Hampshire Revised Statutes Annotated, RSA chapter 382-A, Uniform Commercial Code. New Hampshire General Court, Office of Legislative Services; RSA 382-A:4A-204(a)–(b), 90-day interest rule and no recovery solely due to failure to notify; full official chapter opened September 28, 2026; 2022 ch. 281 §29 effective Jan. 1, 2023. Accessed 2026-09-28.
  4. Business Email Compromise. Federal Bureau of Investigation; “Report BEC” and “How BEC scams work”; page opened September 28, 2026. Accessed 2026-09-28.
  5. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  6. 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.
  7. 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.
  8. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
  9. 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.
  10. 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.
  11. 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.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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