--- title: "New Mexico Crime Insurance Guide" description: "How New Mexico funds-transfer and computer-crime laws shape questions to ask about commercial crime coverage." canonical: "https://spot.insure/coverage/crime/new-mexico" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/new-mexico) # New Mexico Crime Insurance Guide New Mexico applies UCC Article 4A rules to covered funds transfers; the security procedure in your bank agreement can affect whether an unauthorized payment order binds your account. Compare that rule with your crime policy’s funds-transfer and social-engineering coverage, and preserve records for prompt bank and law-enforcement notice. The computer-crime statute cited here is New Mexico Statutes § 30-45-3 (Computer access with intent to defraud or embezzle); ask whether the policy covers the resulting loss separately from a deceptive payment instruction. The computer-crime statute cited here is New Mexico Statutes § 30-45-3 (Computer access with intent to defraud or embezzle); ask whether the policy covers the resulting loss separately from a deceptive payment instruction.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [New Mexico](/coverage/states/new-mexico) ## 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](/coverage/crime). ## What to Watch for in New Mexico ### Review the Bank Security Procedure New Mexico law uses NMSA §§ 55-4A-202 and 55-4A-204, security procedures and unauthorized orders. Ask your bank which call-back, token, dual-approval, or other verification steps apply to payment orders, and ask the agent whether the policy responds if a transfer follows a compromised account or spoofed instruction. Confirm the controlling sections with your banker: NMSA §§ 55-4A-202 and 55-4A-204, security procedures and unauthorized orders. Confirm the controlling sections with your banker: NMSA §§ 55-4A-202 and 55-4A-204, security procedures and unauthorized orders.[^1] ### Match Computer Crime to Policy Triggers New Mexico separately criminalizes conduct under NMSA § 30-45-3. A criminal statute does not determine whether an insurer must pay your business, so ask the agent to distinguish unauthorized computer access, employee theft, fraudulent instructions, and funds-transfer fraud in the policy definitions and exclusions. The cited state provision is Computer access with intent to defraud or embezzle; ask the underwriter to identify the matching insured loss trigger. The cited state provision is Computer access with intent to defraud or embezzle; ask the underwriter to identify the matching insured loss trigger.[^2] ### Keep a State Reporting Route Ready Consumer fraud reporting If a payment scam also affects a customer or vendor, save the instructions, emails, bank notices, and law-enforcement report, then use the New Mexico Attorney General’s consumer-fraud route when the matter fits its remit; this complaint process does not replace prompt notice to your bank or insurer. The state's intake page is Consumer Protection at https://www.nmag.gov/consumer-protection/; keep its submission separate from notice to the bank and carrier. The state's intake page is Consumer Protection at https://www.nmag.gov/consumer-protection/; keep its submission separate from notice to the bank and carrier.[^3] ## Who Regulates Insurance in New Mexico **New Mexico Office of Superintendent of Insurance.** New Mexico OSI licenses insurance producers and agencies, oversees insurers and reviews insurance forms and rates. Its Consumer Assistance Bureau accepts insurance complaints, including complaints involving commercial and business insurance.[^4][^5][^6][^7] - [Regulator website](https://osi.state.nm.us/en/) - [License lookup](https://www.osi.state.nm.us/en/license-status-verification/) - [File a complaint](https://osi.state.nm.us/en/complaints/) - Phone: 855-427-5674 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.003% of taxable surplus-lines premium (verify allocation and current return instructions) New Mexico’s surplus-lines tax is listed as 3.003% of taxable premium in the state’s surplus-lines tax-return instructions; confirm current allocation and filing treatment with the New Mexico Taxation and Revenue Department because its current program page distinguishes broker-placed surplus lines from independently procured insurance. Surplus-lines coverage is issued by an unauthorized insurer and is outside ordinary state guaranty-association protection; do not treat the separate self-procured tax as the surplus-lines broker tax.[^8][^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 that the product is available in New Mexico; [check the regulator’s license lookup](https://www.osi.state.nm.us/en/license-status-verification/) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’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] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’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.[^17] ## Questions to Ask Before You Buy in New Mexico 1. Which New Mexico Article 4A security procedure does my bank apply to wire transfers, and could that agreement make me responsible for an order I did not intend? 2. Does this policy cover a loss caused by computer access prohibited by NMSA § 30-45-3, including access through a vendor or employee account? 3. Are social-engineering payment instructions, fraudulent wire transfers, employee theft, and computer fraud separate insuring agreements or sublimits? 4. If the incident affects a customer or vendor, which New Mexico Attorney General or law-enforcement reporting channel should I use, and what documents should I retain? ## Crime in New Mexico: FAQ ### Who pays for an unauthorized wire transfer in New Mexico? It depends. NMSA §§ 55-4A-202 and 55-4A-204, security procedures and unauthorized orders governs relevant payment-order questions, including when a commercially reasonable security procedure can make an order effective and what notice duties apply. Ask your bank and agent how the account agreement and crime policy address the same transfer.[^1] ### Where can I report a payment scam in New Mexico? The New Mexico Attorney General provides consumer protection information for consumer fraud matters. A business should also notify its bank, insurer, and law enforcement promptly and retain transaction records. The filing page is Consumer Protection at https://www.nmag.gov/consumer-protection/. The filing page is Consumer Protection at https://www.nmag.gov/consumer-protection/.[^3] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in New Mexico](/coverage/states/new-mexico) ## Sources [^1]: [New Mexico Statutes, Article 4A](https://www.nmlegis.gov/Legislation/Statutes) — New Mexico Legislature; NMSA §§ 55-4A-202 and 55-4A-204, security procedures and unauthorized orders. Accessed 2026-09-29. [^2]: [New Mexico Statutes § 30-45-3](https://www.nmlegis.gov/Sessions/06%20Regular/final/HB0080.html) — New Mexico Legislature; Computer access with intent to defraud or embezzle. Accessed 2026-09-29. [^3]: [Consumer Protection](https://www.nmag.gov/consumer-protection/) — New Mexico Attorney General; Consumer fraud reporting. Accessed 2026-09-29. [^4]: [Office of the Superintendent of Insurance](https://osi.state.nm.us/en/) — New Mexico Office of Superintendent of Insurance; Official OSI homepage says it licenses individuals and agencies, oversees business insurance and reviews rates/forms.. Accessed 2026-09-28. [^5]: [License Status Verification](https://osi.state.nm.us/en/license-status-verification/) — New Mexico Office of Superintendent of Insurance; Official page says OSI/NAIC public verification checks producer, adjuster, surplus-lines broker and TPA license status.. Accessed 2026-09-28. [^6]: [File a Complaint](https://osi.state.nm.us/en/complaints/) — New Mexico Office of Superintendent of Insurance; Official complaint page says OSI accepts complaints against insurers and agents; current agency page discusses complaint filing. OSI site redirects from www host, which the web verifier could not fetch.. Accessed 2026-09-28. [^7]: [Consumer Assistance](https://osi.state.nm.us/en/consumer-assistance/) — New Mexico Office of Superintendent of Insurance; Official OSI page expressly includes commercial and business insurance complaints; consumer assistance.. Accessed 2026-09-28. [^8]: [Surplus Lines Premium Tax Return (TRD-41397)](https://realfile.tax.newmexico.gov/trd-41397.pdf) — New Mexico Taxation and Revenue Department; State tax return and instructions establish 3.003% rate; accessible as an official PDF download, but its revision date is not explicit in the current web-indexed copy.. Accessed 2026-09-28. [^9]: [Insurance Premium Tax and Self-Insured Group Tax Programs](https://www.tax.newmexico.gov/businesses/insurance-premium-tax-program/) — New Mexico Taxation and Revenue Department; Current program page distinguishes surplus-lines broker premium tax from self-procured nonadmitted-insurance tax under §7-40-3(A). It does not display the surplus-lines rate.. Accessed 2026-09-28. [^10]: [NMSA 1978, Chapter 59A, Article 14, Surplus Lines Insurance](https://nmonesource.com/nmos/nmsa/en/item/4416/index.do) — New Mexico Legislature / New Mexico Compilation Commission; Surplus-lines act; insurer notice, licensing and placement provisions. Direct statute host should be checked if it changes route.. Accessed 2026-09-28. [^11]: [NMSA 1978, §59A-14-5](https://nmonesource.com/nmos/nmsa/en/item/4416/index.do) — New Mexico Legislature / New Mexico Compilation Commission; Surplus-lines policy notice describes lack of state guaranty association protection.. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/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](https://www.coalitioninc.com/legal/licenses) — 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]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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](https://www.nextinsurance.com/insurance-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](https://www.techinsurance.com/legal/licenses) — 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](https://www.vouch.us/legal/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 2026-09-29. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/crime/new-mexico.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)