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Representations and Warranties Insurance in New Hampshire

New Hampshire generally allows 3 years under N.H. Rev. Stat. § 508:4 for personal actions unless another statute sets a period, subject to claim-specific exceptions and accrual rules. That statutory filing period does not set the survival date negotiated for each representation or the insurer’s reporting window; if New Hampshire is the insured’s home state, the surplus-lines tax rate is 3%. 1,2,3

What Is Representations And Warranties?

Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. Read the national Representations and warranties guide.

What to Watch for in New Hampshire

  • Separate The Statute From The Survival Schedule

    N.H. Rev. Stat. § 508:4 provides 3 years for personal actions unless another statute sets a period. Ask deal counsel to list a separate survival end date for each representation, then compare those dates with the insurer’s claim-reporting deadline. 1

  • Confirm When A Contract Claim Accrues

    New Hampshire measures the cited contract period from accrual; N.H. Rev. Stat. § 508:4 covers personal actions unless another statute sets a period. For an R&W placement, ask counsel to identify the alleged breach date and put it beside the purchase-agreement survival date and policy notice deadline. 1

  • Show Home-State Tax In The Closing Costs

    Federal law assigns nonadmitted premium-tax authority to the insured’s home state. If New Hampshire is the home state for your R&W policy, 3% on the New Hampshire allocation applies under RSA 405-B:4, Single Home State Rate; Surplus Lines. Ask the broker to state the tax base and any separate stamping or filing charge in the closing funds flow. 3,2

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

These providers publish a national listing for Representations and warranties; 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 the product is available in New Hampshire. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. Which New Hampshire limitation period and accrual rule apply to each seller representation, and does the governing-law clause point to a different state?
  2. Can you put each negotiated representation survival date, the escrow release date, and the policy reporting deadline on one closing calendar?
  3. If the policy is placed on a surplus-lines basis, is New Hampshire the insured’s home state, what tax base applies, and who remits the tax?
  4. Which state bulk-sale notice, tax-clearance, or successor-liability issues should the deal team evaluate for this asset or stock purchase?

Representations And Warranties in New Hampshire: FAQ

How long is the written-contract limitation period in New Hampshire? 1

3 years under N.H. Rev. Stat. § 508:4 for personal actions unless another statute sets a period. Accrual, claim classification, and statutory exceptions can change which period applies. 1

Does New Hampshire’s contract limitation period set the R&W survival period? 1

No. N.H. Rev. Stat. § 508:4 sets a court-filing limit for personal actions unless another statute sets a period; it does not set the negotiated survival end date for a representation or the separate deadline to notify the insurer. 1

What surplus-lines tax applies to an R&W policy in New Hampshire? 2,3

3% on the New Hampshire allocation when New Hampshire is the insured’s home state, under RSA 405-B:4, Single Home State Rate; Surplus Lines. Federal law assigns the premium-tax obligation to the home state; ask the broker to show the home-state and tax calculation on the closing statement. 2,3

Representations And Warranties in Other States

Other Coverage in New Hampshire

Sources

  1. N.H. Rev. Stat. § 508:4. State Legislature / official state code; N.H. Rev. Stat. § 508:4; 3 years period applies to personal actions unless another statute sets a period. Accessed 2026-09-29.
  2. 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.
  3. 15 U.S.C. § 8201: Nonadmitted insurance premium tax. U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): only the insured’s home state may require payment of premium tax for nonadmitted insurance. 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.

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