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Trucking Insurance in New Hampshire

New Hampshire sets $25,000/$50,000 bodily-injury and $25,000 property-damage amounts for proof of financial responsibility when required after an accident; household-goods carriers must separately file an annual insurance certificate in an amount the Department considers adequate. Check which state trigger applies to your operation and whether federal limits set a higher minimum. 1,2,4

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

New Hampshire Requirements

RequirementDetails
Proof of financial responsibility when required under RSA 264$25,000 one person / $50,000 one accident / $25,000 property damage 1
Household-goods carrier certificateInsurance certificate filed annually in amount required by the Department for adequate property protection 2

What to Watch for in New Hampshire

  • Distinguish Accident Proof From A Federal Filing

    New Hampshire RSA 264:20 specifies $25,000/$50,000 bodily injury and $25,000 property damage as proof of financial responsibility when required under that chapter. Those figures do not replace a higher FMCSA filing for an operation governed by 49 CFR Part 387; ask the broker to identify the legal trigger for each truck and haul. 1,4

  • File Household-Goods Proof Every Year

    A New Hampshire household-goods certificate or permit stays in effect only while the carrier keeps an insurance certificate on file in a form and amount the Department sets to adequately protect property owners. The certificate must be submitted annually with the carrier’s report, so coordinate the filing with policy renewal and the state report deadline. 2

  • Keep Goods In Your Care Outside The Auto Liability Limit

    New Hampshire defines its motor-vehicle liability policy to exclude property belonging to others that is in the charge of the insured or its employees. Ask for cargo coverage separate from auto bodily-injury and property-damage limits if you haul freight or household goods. 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. 5,6,7,8

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. 9,10,11

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 RSA 264 require post-accident financial-responsibility proof for our New Hampshire fleet, and which amount applies?
  2. Do our routes, weight, cargo, or placards trigger a higher 49 CFR Part 387 filing?
  3. If we move household goods, who sets our adequate insurance amount and when is the annual certificate due?
  4. Does the quote include cargo protection for property in our care, separate from auto liability?

Trucking in New Hampshire: FAQ

What financial-responsibility limit does New Hampshire set for trucks? 1,2,4

When proof is required under RSA 264, the amount is $25,000 for one person, $50,000 for injuries in one accident, and $25,000 for property damage. A federal Part 387 filing or household-goods carrier certificate may require different or higher coverage. 1,2,4

Do New Hampshire household-goods carriers have to file insurance each year? 2

Yes. The carrier must keep a certificate on file in the form and amount the Department requires and submit it annually with its required report. 2

Trucking in Other States

Other Coverage in New Hampshire

Sources

  1. New Hampshire RSA 264:20: Amount of Proof of Financial Responsibility. New Hampshire General Court; RSA 264:20: bodily-injury and property-damage proof amounts. Accessed 2026-09-29.
  2. New Hampshire RSA 359-T:8: Security for the Protection of Property. New Hampshire General Court; RSA 359-T:8: household-goods certificate and annual filing. Accessed 2026-09-29.
  3. New Hampshire RSA 259:61: Motor Vehicle Liability Policy. New Hampshire General Court; RSA 259:61(I): policy definition and exclusion for property in custody. Accessed 2026-09-29.
  4. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property filing chart: liability amounts by cargo and vehicle class. Accessed 2026-09-29.
  5. New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
  6. 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.
  7. 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.
  8. Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
  9. 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.
  10. 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.
  11. 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.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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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