--- title: "New Hampshire’s statutory non-owned coverage is limited to named insureds" description: "New Hampshire defines limited non-owned-auto protection in its motor-vehicle liability policy statute, but that definition does not settle an employer’s HNOA terms." canonical: "https://spot.insure/coverage/hired-non-owned-auto/new-hampshire" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- 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/hired-non-owned-auto/new-hampshire) # New Hampshire’s statutory non-owned coverage is limited to named insureds New Hampshire’s statutory motor-vehicle liability policy extends liability protection for use of non-owned vehicles to the named insured, qualifying household relatives and a domestic servant, and only if no other valid and collectible insurance is available. A separate statute can require security and future financial-responsibility proof after the state receives a specified accident report, subject to exceptions. Those rules do not establish who is insured under a business HNOA policy, so review the actual contract.[^2][^1][^3] **Coverage:** [Hired and non-owned auto](/coverage/hired-non-owned-auto) · [New Hampshire](/coverage/states/new-hampshire) ## What Is Hired And Non-Owned Auto? Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. [Read the national Hired and non-owned auto guide](/coverage/hired-non-owned-auto). ## New Hampshire Requirements | Requirement | Details | | --- | --- | | Written protection for work trips | Ask the broker for the actual business auto policy and confirm its insureds, covered business uses, limits and other-insurance terms; New Hampshire’s post-accident proof process does not define the employer’s HNOA contract.[^1][^2] | ## What to Watch for in New Hampshire ### A specified accident report can trigger security and future proof RSA 264:3 applies after the director receives a report required by RSA 264:25 and can suspend the involved driver’s license and vehicle registration until required security for possible judgments and future financial-responsibility proof are provided. RSA 264:6 lists exceptions, including nonconsensual use, an accident the owner or driver did not cause or contribute to, and certain criminal acts by a third party. Do not treat the post-accident process as a statement about coverage in the business policy.[^1][^3] ### The statutory non-owned provision covers a limited set of insured people RSA 259:61 extends a qualifying motor-vehicle liability policy to the named insured, their spouse or resident relatives, and a domestic servant acting within that insured’s household employment when they use a vehicle they do not own. The statute does not name an ordinary business employee as an insured under an employer policy. Confirm the business policy’s actual insured-person wording.[^2] ### Statutory non-owned protection applies only when no other valid insurance is available The non-owned-vehicle protection in RSA 259:61(II) applies only if no other valid and collectible insurance is available to the insured. That is a legal condition for the statutory policy described there, not a rule that determines priority for every employer HNOA policy. Ask the business insurer for the exact other-insurance clause and whose liability it covers.[^2] ### The statutory policy excludes specified employee injury and property claims RSA 259:61(I) excludes bodily-injury claims by employees actually operating the vehicle and people entitled to workers’ compensation benefits, and excludes damage to property of others in the charge of the insured or employees. These are terms in the statutory policy definition; do not infer that all HNOA forms have identical exclusions or coverage. Compare the relevant policy and workers’ compensation response.[^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.[^4][^5][^6][^7] - [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.[^8][^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Hired and non-owned auto; 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. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] ## Questions to Ask Before You Buy in New Hampshire 1. Does the business HNOA policy name the company and cover an employee’s personal or rented vehicle for the work use? 2. Who does the policy insure when an employee drives, and what does it say about other valid insurance? 3. How does the business address employee injury and property carried in the vehicle across auto, workers’ compensation and other policies? 4. What response process would preserve the company’s interests if a New Hampshire crash triggers a request for financial-responsibility proof? ## Hired And Non-Owned Auto in New Hampshire: FAQ ### When can New Hampshire require financial-responsibility proof after a crash? RSA 264:3 provides for security and future-proof requirements after the director receives a report required by RSA 264:25, subject to the exceptions in RSA 264:6. The statute does not determine what a business HNOA policy covers.[^1][^3] ### Does New Hampshire’s statutory non-owned coverage automatically protect an employer? No. RSA 259:61(II) names the insured, their spouse or resident relative, and a domestic servant acting within the insured’s household employment, and applies only if no other valid and collectible insurance is available. Review the business HNOA policy for employee coverage.[^2] ## Hired And Non-Owned Auto in Other States - [Alabama](/coverage/hired-non-owned-auto/alabama) - [Alaska](/coverage/hired-non-owned-auto/alaska) - [Arizona](/coverage/hired-non-owned-auto/arizona) - [Arkansas](/coverage/hired-non-owned-auto/arkansas) - [California](/coverage/hired-non-owned-auto/california) - [Colorado](/coverage/hired-non-owned-auto/colorado) - [Connecticut](/coverage/hired-non-owned-auto/connecticut) - [Delaware](/coverage/hired-non-owned-auto/delaware) - [District of Columbia](/coverage/hired-non-owned-auto/district-of-columbia) - [Florida](/coverage/hired-non-owned-auto/florida) - [Georgia](/coverage/hired-non-owned-auto/georgia) - [Hawaii](/coverage/hired-non-owned-auto/hawaii) - [Idaho](/coverage/hired-non-owned-auto/idaho) - [Illinois](/coverage/hired-non-owned-auto/illinois) - [Indiana](/coverage/hired-non-owned-auto/indiana) - [Iowa](/coverage/hired-non-owned-auto/iowa) - [Kansas](/coverage/hired-non-owned-auto/kansas) - [Kentucky](/coverage/hired-non-owned-auto/kentucky) - [Louisiana](/coverage/hired-non-owned-auto/louisiana) - [Maine](/coverage/hired-non-owned-auto/maine) - [Maryland](/coverage/hired-non-owned-auto/maryland) - [Massachusetts](/coverage/hired-non-owned-auto/massachusetts) - [Michigan](/coverage/hired-non-owned-auto/michigan) - [Minnesota](/coverage/hired-non-owned-auto/minnesota) - [Mississippi](/coverage/hired-non-owned-auto/mississippi) - [Missouri](/coverage/hired-non-owned-auto/missouri) - [Montana](/coverage/hired-non-owned-auto/montana) - [Nebraska](/coverage/hired-non-owned-auto/nebraska) - [Nevada](/coverage/hired-non-owned-auto/nevada) - [New Jersey](/coverage/hired-non-owned-auto/new-jersey) - [New Mexico](/coverage/hired-non-owned-auto/new-mexico) - [New York](/coverage/hired-non-owned-auto/new-york) - [North Carolina](/coverage/hired-non-owned-auto/north-carolina) - [North Dakota](/coverage/hired-non-owned-auto/north-dakota) - [Ohio](/coverage/hired-non-owned-auto/ohio) - [Oklahoma](/coverage/hired-non-owned-auto/oklahoma) - [Oregon](/coverage/hired-non-owned-auto/oregon) - [Pennsylvania](/coverage/hired-non-owned-auto/pennsylvania) - [Rhode Island](/coverage/hired-non-owned-auto/rhode-island) - [South Carolina](/coverage/hired-non-owned-auto/south-carolina) - [South Dakota](/coverage/hired-non-owned-auto/south-dakota) - [Tennessee](/coverage/hired-non-owned-auto/tennessee) - [Texas](/coverage/hired-non-owned-auto/texas) - [Utah](/coverage/hired-non-owned-auto/utah) - [Vermont](/coverage/hired-non-owned-auto/vermont) - [Virginia](/coverage/hired-non-owned-auto/virginia) - [Washington](/coverage/hired-non-owned-auto/washington) - [West Virginia](/coverage/hired-non-owned-auto/west-virginia) - [Wisconsin](/coverage/hired-non-owned-auto/wisconsin) - [Wyoming](/coverage/hired-non-owned-auto/wyoming) [Other Coverage in New Hampshire](/coverage/states/new-hampshire) ## Sources [^1]: [RSA 264:3, When Proof Required After Report of Accident](https://gc.nh.gov/rsa/html/XXI/264/264-3.htm) — New Hampshire General Court; Paragraph I; trigger is receipt of the report required by RSA 264:25; current text accessed 2026-09-28. Accessed 2026-09-28. [^2]: [RSA 259:61, Motor Vehicle Liability Policy](https://gc.nh.gov/rsa/html/XXI/259/259-61.htm) — New Hampshire General Court; Paragraphs I–III; current text accessed 2026-09-28. Accessed 2026-09-28. [^3]: [RSA 264:6, Limitation of Driving](https://gc.nh.gov/rsa/html/XXI/264/264-6.htm) — New Hampshire General Court; Paragraph I(a)–(c), exceptions to RSA 264:3 suspension/security process; current text accessed 2026-09-28. Accessed 2026-09-28. [^4]: [New Hampshire Insurance Department](https://www.insurance.nh.gov/) — New Hampshire Insurance Department; Official regulator homepage.. Accessed 2026-09-28. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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