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Product Recall Insurance in New Hampshire

New Hampshire’s He-P 2309.05 requires food processing plants to maintain a written recall procedure, use production and distribution records to locate products, and notify the department within 24 hours of specified safety concerns. If your operation sells processed food to other businesses, ask whether the policy responds to the early voluntary response and the later agency-directed recall as separate triggers. 1,2

What Is Product Recall?

Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. Read the national Product recall guide.

What to Watch for in New Hampshire

  • Food Processing Plants Need A Recall Procedure

    New Hampshire’s He-P 2309.05 requires a food processing plant to keep a written procedure covering department and consumer notification and product removal; it applies to commercial processors distributing food to other businesses, not operations overseen by the state agriculture department under the listed agricultural statutes. Confirm which regulator governs your operation. 1

  • Specified Safety Events Have A 24-Hour Notice

    A covered plant must notify the department within 24 hours after learning that a quality standard was violated or circumstances may adversely affect product safety; listed examples include contamination, spills, accidents, disasters, and treatment breakdowns. Ask whether your response plan can meet that timetable and whether notification costs are addressed. 1

  • Lot And Distribution Records Support Recall

    The rule says processing and distribution records must enable location of product, and He-P 2309.03(e) specifies a product code with manufacture date, container size, and lot or batch number. Keep those fields connected to customer records, then ask what evidence the insurer needs to establish affected units and expense. 1

  • Unsanitary Conditions Can Close A Site

    Separately from a product recall, RSA 143:5-a allows immediate closure of a food production, manufacturing, storage, or sales site when its physical condition endangers public health through unsanitary conditions. Ask whether any quoted business-interruption or extra-expense terms address a site closure; the closure statute does not create insurance coverage. 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

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in New Hampshire

  1. Does the written policy trigger respond to our initial precautionary withdrawal, a department-advised recall, or both?
  2. Are consumer notices, distributor retrieval, testing, disposal, and the extra cost of operating elsewhere listed as covered expenses?
  3. Can our production and distribution records identify date, container size, lot/batch, and customer locations within the state’s 24-hour reporting window?

Product Recall in New Hampshire: FAQ

Do New Hampshire food processors need a recall plan? 1

Yes. He-P 2309.05 requires a food processing plant to keep a written recall procedure that covers department and consumer notification and product removal; state-agriculture-supervised operations are outside this rule’s defined plant scope. 1

How quickly must a New Hampshire food processor notify the department about a safety concern? 1

A covered plant must notify the department within 24 hours after learning that a quality standard was violated or circumstances may adversely affect product safety, including contamination or a process breakdown. 1

Product Recall in Other States

Other Coverage in New Hampshire

Sources

  1. He-P 2300: Sanitary Production and Distribution of Food. New Hampshire Department of Health and Human Services; New Hampshire Office of Legislative Services; He-P 2301.01(t), 2303.01(d), 2309.02(d), 2309.03(e), and 2309.05(a)–(f); current rule text shows replacement effective August 20, 2019. Accessed 2026-09-28.
  2. RSA 143:5-a: Closure. New Hampshire General Court; RSA 143:5-a(I), immediate closure where unsanitary physical conditions endanger public health; RSA 143:5-a(III), reinspection within 48 hours after request. Accessed 2026-09-28.
  3. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  4. 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.
  5. 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.
  6. Insurance Department Rules. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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.

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