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New Hampshire Umbrella and Excess Liability Guide

RSA 264:20 defines proof of financial responsibility as the ability to respond in damages for liability from accidents in New Hampshire in the amount of $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $25,000 for property damage. RSA 507:16 states that no punitive damages shall be awarded in any action unless otherwise provided by statute. When an umbrella sits above a New Hampshire auto policy, use the 264:20 amounts as the statutory proof figure, and do not price punitive damages into the loss unless you can name the statute that allows them. 1,2

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

New Hampshire Requirements

RequirementDetails
Amount of proof of financial responsibilityRSA 264:20 sets proof at $25,000 because of bodily injury or death to any one person, $50,000 because of bodily injury or death to two or more persons in any one accident, and $25,000 because of injury to and destruction of property in any one accident. The section defines that proof. It is not, by itself, a required umbrella limit. 1

What to Watch for in New Hampshire

  • The statute states a proof amount, not an excess-policy limit

    RSA 264:20 is titled as the amount of proof of financial responsibility and defines the ability to respond in damages for liability thereafter incurred from accidents that occur in New Hampshire. Use it to test the underlying auto limit. Ask the umbrella underwriter what scheduled underlying limit the form requires, which may be higher than $25,000/$50,000/$25,000. 1

  • Punitive damages need a statute

    RSA 507:16 says no punitive damages shall be awarded in any action, unless otherwise provided by statute. A demand that simply labels damages punitive does not create coverage or a verdict. Ask which New Hampshire statute, if any, authorizes a punitive award for the pleaded claim, and ask the broker whether the excess form follows that award. 2

  • The proof definition is tied to accidents in New Hampshire

    Section 264:20 addresses liability incurred as a result of accidents which occur in New Hampshire, arising out of ownership, maintenance, control, or use of a motor vehicle, trailer, or semi-trailer. An out-of-state accident can raise a different proof question. Do not export this dollar trio to every jurisdiction where the vehicle is driven without checking that jurisdiction’s rule. 1

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

These providers publish a national listing for Umbrella and excess liability; 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. 12
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. 16

Questions to Ask Before You Buy in New Hampshire

  1. Does the auto policy provide at least the $25,000/$50,000/$25,000 proof amounts in RSA 264:20?
  2. Which statute, if any, authorizes punitive damages for this claim under RSA 507:16?
  3. Did the accident occur in New Hampshire, which is the territory named in the proof definition?

Umbrella And Excess Liability in New Hampshire: FAQ

What dollar amounts does New Hampshire use for proof of financial responsibility? 1

RSA 264:20 uses $25,000 for bodily injury or death of one person, $50,000 for two or more persons, and $25,000 for injury to and destruction of property in any one accident. 1

Does New Hampshire generally allow punitive damages? 2

RSA 507:16 says no punitive damages shall be awarded in any action unless otherwise provided by statute. 2

Umbrella And Excess Liability in Other States

Other Coverage in New Hampshire

Sources

  1. RSA 264:20, Amount of proof of financial responsibility. New Hampshire General Court; Proof of $25,000/$50,000 bodily injury or death and $25,000 property for accidents occurring in New Hampshire. Accessed 2026-09-29.
  2. RSA 507:16, Punitive damages outlawed. New Hampshire General Court; 1986, 227:3: no punitive damages unless otherwise provided by statute. Accessed 2026-09-29.
  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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