What Directors and Officers (D&O) Insurance Requirements Apply in New Hampshire?

New Hampshire business-corporation articles may limit director or officer monetary liability, but they cannot eliminate liability for an unauthorized benefit, intentional harm, an unlawful-distribution violation, or intentional criminal conduct. The RSA chapter applies to business corporations; check the insured’s legal form and incorporation state before using it.

What Is D&O Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. Read the national Directors and officers guide.

What Should You Watch for With D&O Insurance in New Hampshire?

The Articles Cannot Remove Every Claim
RSA 293-A:2.02(b)(4) permits a charter limit on director or officer damages, but preserves four statutory categories including unlawful distributions under § 293-A:8.33. Review the filed articles and ask how the policy treats claims that fall outside the charter limit. ¹
Criminal Indemnity Has a Separate Test
For permissible indemnification under RSA 293-A:8.51, the person must have had no reasonable cause to believe the conduct was unlawful in a criminal proceeding, in addition to the applicable good-faith and corporate-interest standard. Ask what defense-cost advancement is available before that test is decided. ²
Nonprofit Corporations Have a Different RSA Chapter
New Hampshire’s business-corporation indemnification provisions are in RSA 293-A; nonprofit corporations are governed separately under RSA 292. Confirm which entity is named and review the correct organizational documents before assessing indemnity. ^3,¹

Which D&O Insurance Providers Have New Hampshire License Records?

These providers publish a national listing for Directors and officers; the license records below name the licensed entities and roles. 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.

Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
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. ¹²
Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’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
Corgi lists directors and officers insurance among its business insurance offerings.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’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
TechInsurance arranges directors and officers liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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
Vouch lists directors and officers insurance in its technology-company programs.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-852-3416

Surplus-Lines Tax and Stamping Office in New Hampshire

Reported tax rate. 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees ^8,^9,¹⁰

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.

What Should You Ask Before Buying D&O Insurance in New Hampshire?

Do our New Hampshire articles limit damages for both directors and officers, and which exceptions remain?
If a claim includes criminal allegations, how and when does the policy fund defense before the conduct standard is resolved?
Is the insured entity a Chapter 293-A business corporation or a Chapter 292 nonprofit?

D&O Insurance in New Hampshire: Frequently Asked Questions

Can New Hampshire corporations limit directors’ and officers’ monetary liability?

Yes. RSA 293-A:2.02(b)(4) allows a provision in the articles, subject to exceptions for specified benefits, intentional harm, unlawful distributions, and intentional criminal-law violations. ¹

Can a New Hampshire corporation insure liability it cannot indemnify?

Yes. RSA 293-A:8.57 authorizes insurance whether or not the corporation could indemnify or advance expenses for the same liability. The policy language controls whether a particular claim is paid. ²

Sources for D&O Insurance in New Hampshire

1
New Hampshire RSA Chapter 293-A. New Hampshire General Court; RSA 293-A:2.02(b)(4), optional charter limits and exceptions. Accessed 2026-09-28.
2
New Hampshire RSA Chapter 293-A. New Hampshire General Court; RSA 293-A:8.51 and 8.57, indemnification conduct test and insurance authority. Accessed 2026-09-28.
3
New Hampshire RSA Chapter 292. New Hampshire General Court; Nonprofit corporations; separate statutory chapter. 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.

What Directors and Officers (D&O) Insurance Requirements Apply in New Hampshire?

What Is D&O Insurance?

What Should You Watch for With D&O Insurance in New Hampshire?

The Articles Cannot Remove Every Claim

Criminal Indemnity Has a Separate Test

Nonprofit Corporations Have a Different RSA Chapter

Which D&O Insurance Providers Have New Hampshire License Records?

Coalition

Corgi

TechInsurance

Vouch