--- title: "New Hampshire Fidelity Bonds for State Banks, Credit Unions, and Trust Companies" description: "Learn which New Hampshire businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include." canonical: "https://spot.insure/coverage/fidelity-bonds/new-hampshire" 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/fidelity-bonds/new-hampshire) # New Hampshire Fidelity Bonds for State Banks, Credit Unions, and Trust Companies New Hampshire requires state banks and credit unions to maintain fidelity coverage for dishonest or criminal acts, with annual board review and commissioner notice for certain cancellations or reductions. Ask whether your chartered trust company is also subject to the parallel trust-company provision.[^1] **Coverage:** [Fidelity bonds](/coverage/fidelity-bonds) · [New Hampshire](/coverage/states/new-hampshire) ## What Is Fidelity Bonds? Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [Read the national Fidelity bonds guide](/coverage/fidelity-bonds). ## New Hampshire Requirements | Requirement | Details | | --- | --- | | State bond requirement | Required; annual board review[^1] | ## What to Watch for in New Hampshire ### Check Who the Bond Protects The statute covers dishonest acts by people acting for the institution and also names outside robbery, burglary, and forgery. Ask the agent to map each risk to a policy insuring agreement. Ask the regulator or appointing institution to confirm who receives payment after a covered loss; a required bond may protect a client or institution rather than reimburse your company.[^1][^2] ### Match the Bond to Covered Roles New Hampshire requires state banks and credit unions to maintain fidelity coverage for dishonest or criminal acts, with annual board review and commissioner notice for certain cancellations or reductions Ask for the named insured, covered people, dishonesty definition, and claim notice rules in the bond form before relying on it for employee access to money or client property.[^1] ### Separate the Bond from Your Crime Policy New Hampshire’s rule sets a specific bond obligation for state banks, credit unions, and trust companies. Ask the agent to compare that bond with first-party employee-theft, forgery, funds-transfer, and computer-fraud coverage; confirm whether the bond limit can be used for your own loss. The statute covers dishonest acts by people acting for the institution and also names outside robbery, burglary, and forgery..[^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] - [Regulator website](https://www.insurance.nh.gov/) - [License lookup](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) - [File a complaint](https://mm.nh.gov/files/uploads/nhid/documents/nhid-complaint-template-fillable.pdf) - Phone: 800-852-3416 ### 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 Fidelity bonds; 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 Hampshire; [check the regulator’s license lookup](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) and confirm state availability for your business when requesting a quote. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^15] - [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.[^16] ## Questions to Ask Before You Buy in New Hampshire 1. Which statute or regulator rule makes this bond mandatory for my state banks, credit unions, and trust companies business in New Hampshire? 2. Who is protected by the required bond, and are all employees, agents, officers, or committee members with access to funds included? 3. How did you calculate the required limit for my charter, assets, premiums, or staffing structure? 4. What claim notice, cancellation notice, and replacement-filing deadlines apply to this bond? ## Fidelity Bonds in New Hampshire: FAQ ### Is a fidelity bond required for state banks, credit unions, and trust companies in New Hampshire? Yes. New Hampshire requires state banks and credit unions to maintain fidelity coverage for dishonest or criminal acts, with annual board review and commissioner notice for certain cancellations or reductions. Ask whether your chartered trust company is also subject to the parallel trust-company provision.[^1] ### How much fidelity coverage does New Hampshire require? Required; annual board review. The statute covers dishonest acts by people acting for the institution and also names outside robbery, burglary, and forgery. Ask the agent to map each risk to a policy insuring agreement.[^1][^2] ## Fidelity Bonds in Other States - [Alabama](/coverage/fidelity-bonds/alabama) - [Alaska](/coverage/fidelity-bonds/alaska) - [Arizona](/coverage/fidelity-bonds/arizona) - [Arkansas](/coverage/fidelity-bonds/arkansas) - [California](/coverage/fidelity-bonds/california) - [Colorado](/coverage/fidelity-bonds/colorado) - [Connecticut](/coverage/fidelity-bonds/connecticut) - [Delaware](/coverage/fidelity-bonds/delaware) - [District of Columbia](/coverage/fidelity-bonds/district-of-columbia) - [Florida](/coverage/fidelity-bonds/florida) - [Georgia](/coverage/fidelity-bonds/georgia) - [Hawaii](/coverage/fidelity-bonds/hawaii) - [Idaho](/coverage/fidelity-bonds/idaho) - [Illinois](/coverage/fidelity-bonds/illinois) - [Indiana](/coverage/fidelity-bonds/indiana) - [Iowa](/coverage/fidelity-bonds/iowa) - [Kansas](/coverage/fidelity-bonds/kansas) - [Kentucky](/coverage/fidelity-bonds/kentucky) - [Louisiana](/coverage/fidelity-bonds/louisiana) - [Maine](/coverage/fidelity-bonds/maine) - [Maryland](/coverage/fidelity-bonds/maryland) - [Massachusetts](/coverage/fidelity-bonds/massachusetts) - [Michigan](/coverage/fidelity-bonds/michigan) - [Minnesota](/coverage/fidelity-bonds/minnesota) - [Mississippi](/coverage/fidelity-bonds/mississippi) - [Missouri](/coverage/fidelity-bonds/missouri) - [Montana](/coverage/fidelity-bonds/montana) - [Nebraska](/coverage/fidelity-bonds/nebraska) - [Nevada](/coverage/fidelity-bonds/nevada) - [New Jersey](/coverage/fidelity-bonds/new-jersey) - [New Mexico](/coverage/fidelity-bonds/new-mexico) - [New York](/coverage/fidelity-bonds/new-york) - [North Carolina](/coverage/fidelity-bonds/north-carolina) - [North Dakota](/coverage/fidelity-bonds/north-dakota) - [Ohio](/coverage/fidelity-bonds/ohio) - [Oklahoma](/coverage/fidelity-bonds/oklahoma) - [Oregon](/coverage/fidelity-bonds/oregon) - [Pennsylvania](/coverage/fidelity-bonds/pennsylvania) - [Rhode Island](/coverage/fidelity-bonds/rhode-island) - [South Carolina](/coverage/fidelity-bonds/south-carolina) - [South Dakota](/coverage/fidelity-bonds/south-dakota) - [Tennessee](/coverage/fidelity-bonds/tennessee) - [Texas](/coverage/fidelity-bonds/texas) - [Utah](/coverage/fidelity-bonds/utah) - [Vermont](/coverage/fidelity-bonds/vermont) - [Virginia](/coverage/fidelity-bonds/virginia) - [Washington](/coverage/fidelity-bonds/washington) - [West Virginia](/coverage/fidelity-bonds/west-virginia) - [Wisconsin](/coverage/fidelity-bonds/wisconsin) - [Wyoming](/coverage/fidelity-bonds/wyoming) [Other Coverage in New Hampshire](/coverage/states/new-hampshire) ## Sources [^1]: [New Hampshire RSA 383-A:4-405 and RSA 383-C:5-501](https://www.gc.nh.gov/rsa/html/XXXV/383-A/383-A-mrg.htm) — New Hampshire General Court; Fidelity bond scope, board review, reductions and cancellation. Accessed 2026-09-29. [^2]: [12 CFR § 701.20](https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.20) — National Credit Union Administration; Federal credit-union bond coverage. Accessed 2026-09-29. [^3]: [New Hampshire Insurance Department](https://www.insurance.nh.gov/) — New Hampshire Insurance Department; Official regulator homepage.. Accessed 2026-09-28. [^4]: [New Hampshire State License Division Information](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) — 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](https://mm.nh.gov/files/uploads/nhid/documents/nhid-complaint-template-fillable.pdf) — 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](https://gc.nh.gov/rules/State_Agencies/ins100.html) — 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](https://gc.nh.gov/rsa/html/XXXVII/405-B/405-B-4.htm) — 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](https://gc.nh.gov/rsa/html/XXXVII/405/405-24.htm) — 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](https://gc.nh.gov/rsa/html/XXXVII/405/405-24.htm) — 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](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. [^11]: [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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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](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. [^14]: [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. [^15]: [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. [^16]: [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/fidelity-bonds/new-hampshire.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)