New Hampshire Seal

New Hampshire

state commissioner

Chris Nicolopoulos

STATE phone
(603) 271-2261

New Hampshire Insurance Department

Appointments & Terminations

Required to report appointments?


Permits Just-in-time (JIT) appointments?


Initial appointment deadlines

Within 15 days of contract execution or first business submission

Initial appointment deadline rule

JIT appointments permitted. Appointments must be submitted within 15 days of the date the agent/agency contract is executed or the first piece of business is submitted to the carrier

Can be processed via nipr?


Fees for appointing a resident agency or individual?


Fees for appointing a nonresident agency or individual?


Appoint agencies?


Agency appointment covers affiliated producers?


Adjuster appointments via NIPR?


Appointment effective date can be specified?


Appointment effective date rule

Date the transaction is processed.

State requires appointment renewal?

No, perpetual

Appointment renewal fee

No fees

Terminations processed via NIPR?


Termination reasons

Termination reason code is not required

Termination date can be specified by carrier?


Termination Effective date rule

Backdating can not precede the date the transaction is processed

Termination fee



Initial individual new license fee

Resident New License Insurance Producer: $210 Non Resident New License Insurance Producer: $210

License renewal fee

Resident Renewal Insurance Producer: $150 Non Resident Renewal Insurance Producer: $150

When does the resident individual producer license renewal period begin?

90 days before expiration

What is the resident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

When does the nonresident individual producer license renewal period begin?

90 days before expiration

What is the nonresident individual producer license renewal date?

Last day of birth month every 2 years based on year of first state license issue

Can a producer use a P.O. Box in their resident or business address?


Are individuals required to list their county as part of the address?


What addresses are required for individual license maintenance?

Residence, Business, and Mailing

State individual licenses include

Portable Electronics Small, Company, Insurance Producer, Adjuster

State broker license rule

Included in Producer License Class. Insurers are not required to appoint Brokers per NAIC PLMA

Requires pre licensing courses?


Background Check Required?


Fingerprints Required?

Not Required

Citizenship requirement details

Non-citizen requirements: Applicant must submit the appropriate employment authorization document or permanent resident card to: Upload to the NIPR Attachment Warehouse Email PRODUCERQUESTIONS@INS.NH.Gov NHID Licensing Division, 21 South Fruit St. Ste 14 Concord, NH 03301

Where to apply for resident license?

NIPR Gateway

What Transactions are Retaliatory Fees Applied to?


Submit Partial License Renewals through NIPR?


Has Personal Lines LOA?


Deadline to report personal data changes (address, name change, phone number, etc.)

A licensee must notify the Commissioner of any change of address within 30 days. a. There is a $10 fee for manual address changes. b. Email addresses need to remain up-to-date. Contact Change Request supported via NIPR Gateway.


Can a sole proprietor be licensed as an entity?


DRLP must have active state license


DRLPs must cumulatively cover all LOAs in application


Agency Licensing renewals

90 days prior to expiration date until May, 31st, biennially.

Agency License required?

Yes, if selling insurance

Affiliations: Indicates if producers selling on behalf of/through an entity must be formally affiliated with that entity and if the entity must notify the department of changes


Branch office

Main license meets requirements


Requires adjuster license?


Offers designated home state?


DHS exam required?


Reciprocity states


Which states require an exam for reciprocity?


Independent adjuster LOAS

Workers' Compensation, Property & Casualty (including Workers' Compensation and Crop), Property and Casualty (excluding Workers' Compensation and Crop)

Independent adjuster fees

Licensing Fee: $75 Renewal Fee: $75 License Amendment Fee: $50 Reinstatement Fee: $75

Independent adjuster exam required?


Independent adjuster renewal date

Biennially, on the last day of the individual's birth month.

Independent adjuster details

Late Renewals are not accepted.

Emergency adjuster details

In the event of an emergency, a temporary license can be issued to qualified persons. This temporary license is active until discretion of the commissioner deems it inactive or one year from its issuance.

Continuing Education

Total hours per renewal period


Renewal period

2 years

License renewal date is

Last day of birth month

License renewal year based on...

Year of first license issuance

When is the CE due?

60 days prior to license expiration.

How long before expiration does state send CE reminder?

No reminder. Only license renewal reminder.

Exemptions to CE

LUTCF, CLU, CFC, and CFPs are exempt from CE. Those renewing their license for the first time are exempt from CE.

What if a producer missed the renewal date?

If CE is completed within the 60 day window (between CE due date and license expiration date) an additional late CE fee will be charged. $50 additional for producers and $25 additional for all adjusters. If CE is completed after expiration, the fee increases to double the license fee for all license holders. To reinstate a license within 2 years of expiration, you must be CE compliant. For Residents reinstating after two years, CE is no longer required but you must pass the licensing exam again.

CE instructors get credit for teaching courses?

Yes, once per course per compliance period.

Ethics requirements


Flood-specific CE requirements

3 hours of NFIP course

LTC-specific CE requirements

8-hour initial certification, with 4 hours of LTC-specific training every two years

Annuity-specific CE requirements

One-time, 4-hour course

Regulatory Updates

New Hampshire Added Flood Education Requirement

On February 6, 2024, New Hampshire added flood education requirements and penalty information. Details are as follows.

New Hampshire Issues Flood Insurance Education Requirement Reminder

On February 6, 2024, New Hampshire  issued a reminder regarding flood insurance education requirement. See attachment for full details.

The New Hampshire Insurance Department Sends Reminder on Surplus Lines Requirements

On January 9, 2024, the New Hampshire Insurance Department sent a reminder for all producers who hold surplus lines about updated filing instructions and requirements.

New Hampshire to Remove Mailing Address Rule

Effective November 9, 2023 New Hampshire will no longer require a Non Resident Licensee’s submitted mailing address to match the current mailing address for resident / home state on Producer Database (PDB).

New Hampshire to Add NUQs to Collect Business Entity Name for Adjuster Applicants

Effective September 15th, 2023 New Hampshire will require all Non-resident adjuster applicants to answer questions by providing the name of their employer.

New Hampshire Issues Bulletin Regarding Notice Required Producer Terminated for Cause

On August 7, 2023, New Hampshire issued a bulletin laying out notice required when a producer is terminated for cause.   See attachment for full details.

New Hampshire Has Revised Reasons for Revocation of a License

Effective August 29, 2023, New Hampshire has revised the reasons a license may be suspended, revoked, or refused for both business entities and individual insurance producers. No changes to Manage Posted to Compliance Library The license of a resident or non resident **business entity**  may be suspended, revoked, or refused if the Commissioner finds, after a hearing in accordance with NH ST § 400-A:17, that:      a.   an individual licensee's violation was known or should           have been known by one or more of the partners,           officers, or managers acting on the partnership's or           corporation's behalf;      b.   the violation was not reported; and      c.   no corrective action was taken. The Commissioner may place on probation, suspend, revoke, or refuse to issue or renew an **insurance producer's** license, or  may levy an administrative fine not to exceed $2,500 per violation, or any combination of actions for any 1 or more of  the following causes:      a.   violation of any insurance law, of any regulation, subpoena, or order of the Commissioner of this state or another state;      b.   obtaining or attempting to obtain a license by fraud or misrepresentation;      c.   improper handling of money in course of the business under the license;      d.   conviction of a felony;      e.   intentionally misrepresenting the terms of an actual or proposed insurance contract or application;      f.   use of fraudulent or dishonest trade practices;      g.   forging another person's name to an application for insurance or any related document;      h.   improperly using notes or reference material to complete an insurance exam;      i.   knowingly accepting insurance business from someone who is not properly licensed;      j.   suspension, denial or revocation of an insurance license in another jurisdiction;      k.   using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility whether directly, as an individual, or through activities for an entity, in the conduct of any business activity, or fraud, misappropriation or conversion of funds, misrepresentation or breach of fiduciary duty involving any activity in New Hampshire or elsewhere;      l.   providing incorrect, misleading, incomplete, or materially untrue information in the license application; or      m.   failing to comply with an administrative or court order imposing a child support obligation.

New Hampshire implements new transaction type to process individual primary name updates

~~Effective September 15, 2023~~, New Hampshire will implement a new transaction type to process individual primary name updates. ~~Update: Effective date has been updated to To Be Determined.~~ Update: Effective date has been updated to September 15, 2023

New Hampshire CE Requirement Updates

New Hampshire has made several updates to their CE requirements.

NH Resident and Non-Resident Changes

NH has listed updates to the following: Fees, General requirements for organization non-resident license, Discount Medical Plan Organizations requirements, and license renewal and causes for license revocation and surrender.

NH Highlights that both Carriers AND Agencies can Report Fraud

This announcement is a result of recent fraud cases surfacing that were not reported. It highlights that fraud is a serious matter and can result in a fine or becoming barred from conducting insurance in NH. Any individual, agency, carrier, etc. can report fraud.

Update to New Hampshire Third Party Admin Requirements

Effective July 2, 2022 NH will require a Third Party Administrator to include contact information for a designated agent in New Hampshire for service of process with certificate application for both Residents and Non-Residents.