Get Started

Last-mile delivery insurance in New Hampshire

RSA 359-U:8 requires primary motor-vehicle liability of $50,000 per person, $100,000 per incident, and $25,000 property damage while a driver is logged on and not on a prearranged ride. On a prearranged ride the minimum is $300,000. The chapter page carries a July 1, 2023 source note. RSA 359-U:1 defines the service around passengers. RSA 376-A, an earlier transportation-network chapter, is marked repealed. 1,2

What Is Last-Mile Delivery?

Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. Read the national Last-mile delivery guide.

New Hampshire Requirements

RequirementDetails
Logged on, not on a prearranged ride$50,000 / $100,000 / $25,000 1
Prearranged ride$300,000 1

What to Watch for in New Hampshire

  • The Ride Limit Is $300,000

    RSA 359-U:8 does not use a $1 million engaged-ride limit. The prearranged-ride minimum is $300,000. A quote copied from another state's model bill will overshoot or, worse, a broker may think $300,000 is only the logged-on number. It is the ride. 1

  • Do Not Quote the Repealed Chapter

    RSA 376-A is marked repealed. The insurance duty that is open is RSA 359-U:8, with the July 1, 2023 source note on the chapter. Ask the broker to cite 359-U, not a form still labeled 376-A. 3

  • The Chapter Moves Passengers

    RSA 359-U:1 defines the prearranged ride around passengers. A goods delivery is not that ride, so neither the $50,000/$100,000/$25,000 period nor the $300,000 ride is a parcel minimum. 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

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

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in New Hampshire

  1. Is the prearranged-ride limit $300,000 under RSA 359-U:8, not $1 million?
  2. Is the form citing RSA 359-U rather than repealed RSA 376-A?
  3. Is this a passenger ride, or a goods delivery the chapter does not define?

Last-Mile Delivery in New Hampshire: FAQ

What limit does New Hampshire require during a prearranged transportation-network ride? 1

$300,000. RSA 359-U:8 sets that primary limit, not $1 million. 1

Is RSA 376-A still New Hampshire's transportation-network insurance chapter? 3

No. RSA 376-A is marked repealed. The open insurance section is RSA 359-U:8. 3

Last-Mile Delivery in Other States

Other Coverage in New Hampshire

Sources

  1. RSA 359-U:8. New Hampshire General Court; paragraphs II and IV; Source 2023, 30:2, eff. July 1, 2023. Accessed 2026-09-29.
  2. RSA 359-U:1. New Hampshire General Court; prearranged ride and rider. Accessed 2026-09-29.
  3. RSA 376-A table of contents. New Hampshire General Court; Chapter is repealed. Accessed 2026-09-29.
  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.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot