--- title: "Generative AI Liability Insurance in New Hampshire" description: "New Hampshire creates a candidate and election-official remedy for deceptive AI deepfakes distributed near an election, while separately criminalizing synthetic intimate depictions of children." canonical: "https://spot.insure/coverage/generative-ai-liability/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/generative-ai-liability/new-hampshire) # Generative AI Liability Insurance in New Hampshire RSA 664:14-c prohibits distributing a known or reasonably knowable deepfake of a candidate, election official, or party within 90 days of an election, unless the required prominent or audible disclosure is included. A depicted candidate or election official may seek injunctive relief and damages. Separately, RSA 649-A:3-c includes realistic synthetic images showing a child’s intimate parts in its child-exploitation provisions.[^1][^2] **Coverage:** [Generative AI liability](/coverage/generative-ai-liability) · [New Hampshire](/coverage/states/new-hampshire) ## What Is Generative AI Liability? Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. [Read the national Generative AI liability guide](/coverage/generative-ai-liability). ## What to Watch for in New Hampshire ### The election restriction has a defined 90-day window The prohibition applies within 90 days of an election where a candidate for elective office appears on the ballot and concerns a candidate, election official, or party on a state or local ballot. The statute also requires knowledge or reason to know the message is a deepfake, with specified exceptions.[^1] ### The election disclosure has format and timing rules For video, the required disclosure must remain visible throughout; for audio, it must be spoken at the beginning and end and at intervals no longer than two minutes when the clip exceeds two minutes. Confirm rendering, duration, and sponsorship practices for each distribution channel.[^1] ### The child-image statute expressly includes synthetic images RSA 649-A:3-c defines synthetic image as an image altered or created to depict a realistic but false representation of an individual and includes computer-generated images in the intimate-visual-representation definition. Review age-appearance and intimate-parts cases separately from election-content controls.[^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 No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www.sircon.com/stateInformationCenter/newHampshire.jsp) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in New Hampshire 1. Can campaign or political-ad workflows enforce New Hampshire’s exact disclosure placement and timing? 2. Do child-safety controls identify synthetic intimate depictions under RSA 649-A:3-c, even when no child participated in image creation? 3. Does the quote account for candidate or election-official damages and injunctive relief as well as the separate child-image offense? ## Generative AI Liability in New Hampshire: FAQ ### Can a candidate recover damages over a covered deepfake? Yes. A candidate or election official depicted in a violation may seek an injunction and bring an action for general or special damages against the sponsor; the court may also award fees and costs.[^1] ### Does RSA 664:14-c impose liability on every platform? No. The provision excludes interactive computer services for third-party content, alongside specific news and paid-publication exceptions.[^1] ## Generative AI Liability in Other States - [Alabama](/coverage/generative-ai-liability/alabama) - [Alaska](/coverage/generative-ai-liability/alaska) - [Arizona](/coverage/generative-ai-liability/arizona) - [Arkansas](/coverage/generative-ai-liability/arkansas) - [California](/coverage/generative-ai-liability/california) - [Colorado](/coverage/generative-ai-liability/colorado) - [Connecticut](/coverage/generative-ai-liability/connecticut) - [Delaware](/coverage/generative-ai-liability/delaware) - [District of Columbia](/coverage/generative-ai-liability/district-of-columbia) - [Florida](/coverage/generative-ai-liability/florida) - [Georgia](/coverage/generative-ai-liability/georgia) - [Hawaii](/coverage/generative-ai-liability/hawaii) - [Idaho](/coverage/generative-ai-liability/idaho) - [Illinois](/coverage/generative-ai-liability/illinois) - [Indiana](/coverage/generative-ai-liability/indiana) - [Iowa](/coverage/generative-ai-liability/iowa) - [Kansas](/coverage/generative-ai-liability/kansas) - [Kentucky](/coverage/generative-ai-liability/kentucky) - [Louisiana](/coverage/generative-ai-liability/louisiana) - [Maine](/coverage/generative-ai-liability/maine) - [Maryland](/coverage/generative-ai-liability/maryland) - [Massachusetts](/coverage/generative-ai-liability/massachusetts) - [Michigan](/coverage/generative-ai-liability/michigan) - [Minnesota](/coverage/generative-ai-liability/minnesota) - [Mississippi](/coverage/generative-ai-liability/mississippi) - [Missouri](/coverage/generative-ai-liability/missouri) - [Montana](/coverage/generative-ai-liability/montana) - [Nebraska](/coverage/generative-ai-liability/nebraska) - [Nevada](/coverage/generative-ai-liability/nevada) - [New Jersey](/coverage/generative-ai-liability/new-jersey) - [New Mexico](/coverage/generative-ai-liability/new-mexico) - [New York](/coverage/generative-ai-liability/new-york) - [North Carolina](/coverage/generative-ai-liability/north-carolina) - [North Dakota](/coverage/generative-ai-liability/north-dakota) - [Ohio](/coverage/generative-ai-liability/ohio) - [Oklahoma](/coverage/generative-ai-liability/oklahoma) - [Oregon](/coverage/generative-ai-liability/oregon) - [Pennsylvania](/coverage/generative-ai-liability/pennsylvania) - [Rhode Island](/coverage/generative-ai-liability/rhode-island) - [South Carolina](/coverage/generative-ai-liability/south-carolina) - [South Dakota](/coverage/generative-ai-liability/south-dakota) - [Tennessee](/coverage/generative-ai-liability/tennessee) - [Texas](/coverage/generative-ai-liability/texas) - [Utah](/coverage/generative-ai-liability/utah) - [Vermont](/coverage/generative-ai-liability/vermont) - [Virginia](/coverage/generative-ai-liability/virginia) - [Washington](/coverage/generative-ai-liability/washington) - [West Virginia](/coverage/generative-ai-liability/west-virginia) - [Wisconsin](/coverage/generative-ai-liability/wisconsin) - [Wyoming](/coverage/generative-ai-liability/wyoming) [Other Coverage in New Hampshire](/coverage/states/new-hampshire) ## Sources [^1]: [New Hampshire RSA 664:14-c: Synthetic Media and Deceptive and Fraudulent Deepfakes](https://gc.nh.gov/rsa/html/LXIII/664/664-14-c.htm) — New Hampshire General Court; Paragraphs I–V: definitions, 90-day prohibition, disclosure format, civil remedies and exceptions; 2024, 345:1, effective Aug. 1, 2024. Accessed 2026-09-29. [^2]: [New Hampshire RSA 649-A:3-c: Creation of Child Intimate Visual Representations](https://gc.nh.gov/rsa/html/LXII/649-A/649-A-3-c.htm) — New Hampshire General Court; Definitions include synthetic images and computer-generated images depicting a child’s intimate parts. 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/generative-ai-liability/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)