New Hampshire Product Liability Insurance Guide

New Hampshire’s product-liability chapter covers claims across negligence, strict liability, warranty, warning, marketing, and other theories. It generally requires suit within three years after injury is or should be discovered and sets a separate outside limit of twelve years after the final-product manufacturer last parted with possession and control or sold it. A lessor, bailor, or licensor with a legal inspection, maintenance, repair, modification, alteration, or improvement duty has a different outside-limit trigger; a later government-imposed duty has its own up-to-six-year rule without shortening the stated twelve-year periods. The statute has exceptions for specified fraud, written-contract, and UCC warranty claims. Product age, control, post-sale duties, claim type, and alteration records are key facts to discuss with counsel and a broker; they do not determine insurance coverage.

What Is Product Liability Insurance?

Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. Read the national Product liability guide.

What to Watch for With Product Liability in New Hampshire

The discovery period and outside limit both matter
RSA 507-D:2 requires commencement within three years after the injury is or should, with reasonable diligence, have been discovered, and also imposes an outside period of no later than twelve years after the manufacturer of the final product last parted with possession and control or sold it, whichever is later. Keep injury/discovery records and reliable manufacturing, sale, and control dates. ¹
A lessor’s duty can change the outside-limit trigger
For a lessor, bailor, or licensor legally required to inspect, maintain, repair, modify, alter, or improve the product, the twelve-year period runs from when that defendant ceases to have use, possession, or control, or ceases to be under the listed duty. Preserve lease and service terms, return dates, control records, and the end of any legal duty. ¹
A later government duty has a defined period
Where a claim rests on a government agency duty arising after the defendant parted with possession and control or sold the product, the statute allows no more than six years after the defendant first incurred that duty; this rule does not shorten the 12-year periods in the statute. Track recall, inspection, repair, and warning obligations and when each was imposed. ¹
The product-specific chapter overrides a different general clock
RSA 508:1 says that chapter 508 does not apply where a different time is limited by statute. Read that rule with RSA 507-D:2’s express product-claim periods before relying on a general personal-action deadline; identify whether the claim fits the product-liability chapter or one of its stated exceptions. ³
Exceptions and alteration rules need fact-specific review
The statutory periods do not apply to specified claims based on fraudulent misrepresentation, concealment, or nondisclosure; written contractual obligations with a different limitation period; or listed UCC warranty claims that do not seek personal- or property-injury damages. Separately, RSA 507-D:3 limits liability to harm that would have occurred in the product’s unaltered condition, but ordinary wear and modifications made to defendant specifications or instructions are not treated as alteration under that section. ^1,²

Which Product Liability Providers Have New Hampshire License Records?

These providers publish a national listing for Product liability; 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.

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 product liability among the core coverages 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.

Questions to Ask Before You Buy Product Liability in New Hampshire

Can we identify when each final product was sold or left manufacturer control, and preserve records supporting its age and version?
For products leased or maintained by our business, what legal inspection, repair, modification, or maintenance duties existed and when did each duty/control period end?
Were there later agency-directed recall, inspection, repair, or warning duties, and do our records show when each duty first attached and what action followed?
How do product alteration, ordinary wear, and manufacturer-approved modifications appear in the incident record, and how do the proposed policy’s terms address our role and defense?

Product Liability Insurance in New Hampshire: FAQ

Does New Hampshire’s three-year discovery period remove the twelve-year outside limit?

No. RSA 507-D:2 states both the three-year discovery-based period and a separate outside limit. A different trigger applies to a lessor, bailor, or licensor with a listed legal duty, and a later government-imposed duty has its own rule. ¹

Are all UCC warranty claims subject to RSA 507-D’s product time limits?

No. The statute excepts actions under the listed UCC warranty provisions that do not seek damages for injury to person or property; written contractual obligations with another limitation period are also excepted. Claim type and requested damages matter. ¹

Sources for Product Liability Insurance in New Hampshire

1
New Hampshire Revised Statutes Annotated, RSA 507-D. New Hampshire General Court; Current chapter text; §§ 507-D:1–2, including effective date August 22, 1978 and stated exceptions. Accessed 2026-09-28.
2
New Hampshire Revised Statutes Annotated, RSA 507-D:3 and :5. New Hampshire General Court; Current chapter text; alteration/modification rule and applicability/supersession provision. Accessed 2026-09-28.
3
New Hampshire Revised Statutes Annotated, RSA 508:1. New Hampshire General Court; Current chapter text; §508:1 and §508:4(I), accessed 2026-09-28. 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.

New Hampshire Product Liability Insurance Guide

What Is Product Liability Insurance?

What to Watch for With Product Liability in New Hampshire

The discovery period and outside limit both matter

A lessor’s duty can change the outside-limit trigger

A later government duty has a defined period

The product-specific chapter overrides a different general clock

Exceptions and alteration rules need fact-specific review