--- title: "New Hampshire Public Construction Bonds" description: "Check New Hampshire public-work bond triggers, required amounts, acceptable security, and claim protections before you bid." canonical: "https://spot.insure/coverage/surety-bonds/new-hampshire" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/surety-bonds/new-hampshire) # New Hampshire Public Construction Bonds New Hampshire requires surety security when public buildings, highways, bridges, or other public works above the applicable RSA 447:16 threshold; payment bond at least 100% of the contract amount. New Hampshire public works statutes separately address performance security and claims on the bond; confirm the contract’s project category and award threshold before pricing it.[^1][^2] **Coverage:** [Surety bonds](/coverage/surety-bonds) · [New Hampshire](/coverage/states/new-hampshire) ## What Is Surety Bonds? A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [Read the national Surety bonds guide](/coverage/surety-bonds). ## New Hampshire Requirements | Requirement | Details | | --- | --- | | Public construction security | Public buildings, highways, bridges, or other public works above the applicable rsa 447:16 threshold; payment bond at least 100% of the contract amount.[^1] | ## What to Watch for in New Hampshire ### Check the New Hampshire Contract Trigger New Hampshire law triggers public-work security when public buildings, highways, bridges, or other public works above the applicable RSA 447:16 threshold. Payment bond at least 100% of the contract amount Ask the contracting agency to confirm whether your project falls under this rule and to state the bond penal sum in the bid documents.[^1] ### New Hampshire Has Another Bond Rule for This Work New Hampshire public works statutes separately address performance security and claims on the bond; confirm the contract’s project category and award threshold before pricing it. Before binding the surety, match the required obligee, bond form, and covered obligation to this separate rule.[^2] ### Match the Solicitation’s Bond Form The RSA 447:16 governs this statutory obligation, while the project solicitation identifies the obligee, filing deadline, and any bid-security details. Get the final form approved before the bid date and confirm that the named surety is authorized for New Hampshire work.[^1][^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] - [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.[^7][^8][^9] ## Providers With Documented State Licenses These providers publish a national listing for Surety bonds; 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. - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^15] ## Questions to Ask Before You Buy in New Hampshire 1. Which New Hampshire statute or procurement rule triggers this bond for our project, and what is the exact penal sum? 2. Will the obligee accept another form of security, and who must approve that substitution in New Hampshire? 3. What notice, filing, and claim deadlines should our subcontractors and suppliers track under this bond? ## Surety Bonds in New Hampshire: FAQ ### When does a New Hampshire public construction project require a surety bond? Public buildings, highways, bridges, or other public works above the applicable rsa 447:16 threshold. Payment bond at least 100% of the contract amount[^1] ### Does New Hampshire have another bond requirement beyond the public construction bond? Yes. New Hampshire public works statutes separately address performance security and claims on the bond; confirm the contract’s project category and award threshold before pricing it.[^2] ## Surety Bonds in Other States - [Alabama](/coverage/surety-bonds/alabama) - [Alaska](/coverage/surety-bonds/alaska) - [Arizona](/coverage/surety-bonds/arizona) - [Arkansas](/coverage/surety-bonds/arkansas) - [California](/coverage/surety-bonds/california) - [Colorado](/coverage/surety-bonds/colorado) - [Connecticut](/coverage/surety-bonds/connecticut) - [Delaware](/coverage/surety-bonds/delaware) - [District of Columbia](/coverage/surety-bonds/district-of-columbia) - [Florida](/coverage/surety-bonds/florida) - [Georgia](/coverage/surety-bonds/georgia) - [Hawaii](/coverage/surety-bonds/hawaii) - [Idaho](/coverage/surety-bonds/idaho) - [Illinois](/coverage/surety-bonds/illinois) - [Indiana](/coverage/surety-bonds/indiana) - [Iowa](/coverage/surety-bonds/iowa) - [Kansas](/coverage/surety-bonds/kansas) - [Kentucky](/coverage/surety-bonds/kentucky) - [Louisiana](/coverage/surety-bonds/louisiana) - [Maine](/coverage/surety-bonds/maine) - [Maryland](/coverage/surety-bonds/maryland) - [Massachusetts](/coverage/surety-bonds/massachusetts) - [Michigan](/coverage/surety-bonds/michigan) - [Minnesota](/coverage/surety-bonds/minnesota) - [Mississippi](/coverage/surety-bonds/mississippi) - [Missouri](/coverage/surety-bonds/missouri) - [Montana](/coverage/surety-bonds/montana) - [Nebraska](/coverage/surety-bonds/nebraska) - [Nevada](/coverage/surety-bonds/nevada) - [New Jersey](/coverage/surety-bonds/new-jersey) - [New Mexico](/coverage/surety-bonds/new-mexico) - [New York](/coverage/surety-bonds/new-york) - [North Carolina](/coverage/surety-bonds/north-carolina) - [North Dakota](/coverage/surety-bonds/north-dakota) - [Ohio](/coverage/surety-bonds/ohio) - [Oklahoma](/coverage/surety-bonds/oklahoma) - [Oregon](/coverage/surety-bonds/oregon) - [Pennsylvania](/coverage/surety-bonds/pennsylvania) - [Rhode Island](/coverage/surety-bonds/rhode-island) - [South Carolina](/coverage/surety-bonds/south-carolina) - [South Dakota](/coverage/surety-bonds/south-dakota) - [Tennessee](/coverage/surety-bonds/tennessee) - [Texas](/coverage/surety-bonds/texas) - [Utah](/coverage/surety-bonds/utah) - [Vermont](/coverage/surety-bonds/vermont) - [Virginia](/coverage/surety-bonds/virginia) - [Washington](/coverage/surety-bonds/washington) - [West Virginia](/coverage/surety-bonds/west-virginia) - [Wisconsin](/coverage/surety-bonds/wisconsin) - [Wyoming](/coverage/surety-bonds/wyoming) [Other Coverage in New Hampshire](/coverage/states/new-hampshire) ## Sources [^1]: [RSA 447:16](https://www.gencourt.state.nh.us/rsa/html/XL/447/447-16.htm) — RSA 447:16; RSA 447:16. Accessed 2026-09-29. [^2]: [RSA 447:17](https://www.gencourt.state.nh.us/rsa/html/XL/447/447-17.htm) — RSA 447:17; §447:17: sureties, bond security and claim rights. Accessed 2026-09-29. [^3]: [New Hampshire Insurance Department](https://www.insurance.nh.gov/) — New Hampshire Insurance Department; Official regulator homepage.. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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 2026-09-29. 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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