E&S Insurance in New Hampshire: Classes, Coverage & Quoting Guide
Pathpoint offers 10 Excess and Surplus (E&S) product lines in New Hampshire covering 51+ class codes, including Contractors, Contractors Excess, and LRO. 62.2% of submissions receive an instant, bindable quote in roughly 37 seconds. The platform partners with 10+ carriers, handles all New Hampshire surplus lines compliance automatically (including a 3.0% surplus lines tax calculated at checkout, diligent search documentation, and home state filing with no stamping office required), with an average bound premium of $3,540 across all product lines.
Key Takeaways
- 10 E&S product lines covering 51+ class codes in New Hampshire
- 62.2% of submissions receive instant, bindable quotes in ~37 seconds
- 10+ carrier partners including 9 domestic surplus lines insurers and 1 Lloyd's syndicate
- Surplus lines tax of 3.0%, filed automatically with no stamping office required
- Average bound premium of $3,540 across all New Hampshire product lines
What E&S product lines can I quote in New Hampshire?
New Hampshire agents on Pathpoint can currently quote 10 product lines covering 51+ class codes. Contractors leads by bind volume with 29 bound accounts and 42 class codes, including subcontracted building construction work, remodeling contractors, residential carpentry, tree services, and residential roofing. Contractors Excess and Monoline Property are tied for second with 3 account binds each, followed by LRO (2 class codes covering office buildings and warehouses on a lessor's risk basis).
Of the 10 New Hampshire product lines, 7 (70%) are instant-quotable, delivering automated pricing decisions in ~37 seconds. Three lines are referred only — requiring brokerage team review: Cyber (1 class code), Retail and Services, and Monoline Wind. Instant lines include Contractors, Contractors Excess, Monoline Property, LRO, Vacant Building, Restaurants, and Manufacturing. Quotes for referred lines are typically returned within 23 business hours.
How fast can I get an E&S quote in New Hampshire?
62.2% of account submissions in New Hampshire receive an instant quote, with an average turnaround of about 37 seconds for automated decisions. Agents can submit a risk, review quotes from multiple carriers, bind, and download policy documents in a single session for most risks. New Hampshire's 7 instant product lines cover the highest-volume classes including Contractors, LRO, Vacant Building, Restaurants, and Manufacturing.
The remaining 37.8% of submissions are referred to Pathpoint's brokerage team, which includes Cyber, Retail and Services, and Monoline Wind. The underwriting team typically returns referred quotes within approximately 23 business hours. The submission workflow is the same regardless of routing — agents submit once and receive the quote when it's ready, without re-entering risk information.
Which carriers are available in New Hampshire?
10 distinct carriers have issued at least one quote on New Hampshire risks over the trailing 12 months. The panel includes 9 domestic surplus lines insurers (Nautilus, Crum and Forster, Westchester, The Hartford, Markel, Baleen Specialty, Vave, AU Gold, and At-Bay) and 1 Lloyd's of London syndicate (LIO). Pathpoint routes each submission to all eligible carriers automatically, evaluating appetite by class code, geographic location, risk size, and loss history.
The 10-carrier New Hampshire panel spans all 10 available product lines, from Contractors and Contractors Excess through Monoline Property, LRO, and Cyber. When a risk qualifies under multiple carrier appetites, agents receive competing quotes and can select the best combination of coverage and pricing. Pathpoint monitors and expands its New Hampshire carrier relationships as market capacity evolves.
Where is Pathpoint's appetite strongest in New Hampshire?
Pathpoint's appetite in New Hampshire skews strongly to the high tier. Eight of the 10 available product lines carry strong (high) appetite — account quote rates at or above 80%: Contractors, Contractors Excess, LRO, Vacant Building, Restaurants, Retail and Services, Manufacturing, and Cyber. These lines generate the most consistent quoting activity and benefit from the most competitive carrier pricing in the state.
Two product lines are in the emerging tier, where Pathpoint is actively developing carrier appetite: Monoline Property (30.4% quote rate) and Monoline Wind (0% — no quotes recorded in the trailing 12 months). Emerging tier does not mean unavailable — submissions are accepted and reviewed, but quote rates reflect the current state of carrier appetite. There are no mid-tier product lines in New Hampshire.
What are the surplus lines requirements in New Hampshire?
New Hampshire charges a 3.0% surplus lines tax on all Excess and Surplus (E&S) policies. The state does not maintain a stamping office, so there are no additional stamping fees or bureau filing requirements. Pathpoint calculates the 3.0% tax automatically at checkout and handles all required electronic filings with the New Hampshire Insurance Department as part of the bind workflow — agents don't interact with any regulatory body directly.
New Hampshire requires agents to document a diligent search before placing E&S coverage, with 3 declinations from admitted market carriers as the standard requirement. Pathpoint automates this documentation and retains the records for compliance purposes. Filing follows the home state method under the Nonadmitted and Reinsurance Reform Act (NRRA), meaning New Hampshire's tax and filing rules govern when the insured is domiciled in the state.
- Surplus Lines Tax
- 3.0%
- Stamping Office
- None
- Diligent Search
- 3 declinations
- Filing Method
- Home state
How does quoting E&S on Pathpoint work in New Hampshire?
Quoting E&S in New Hampshire on Pathpoint follows four steps: (1) an agent submits risk details including class of business, location, and coverage parameters; (2) the platform routes the submission to eligible carriers from the 10-carrier New Hampshire panel and returns quotes — 62.2% of submissions receive an instant response in ~37 seconds, with referred risks typically quoted within ~23 business hours; (3) the agent selects a quote and requests to bind, with Pathpoint handling all state filing requirements (no stamping office required, 3.0% tax applied automatically); (4) policy documents are issued electronically.
No surplus lines license is required to use Pathpoint. Pathpoint acts as the broker of record for all E&S placements in New Hampshire, managing licensing, compliance, and carrier relationships. Retail agents earn standard retail commission on every policy bound, and there is no cost to create an account or submit risks on the platform.
What does E&S insurance cost in New Hampshire?
The average bound premium per account in New Hampshire is $3,540 across all 10 product lines. By top line: Contractors averages $3,390 with a typical range of $830 to $3,860 (P25 to P75), Monoline Property averages $2,954 with a typical range of $2,108 to $3,906, and Contractors Excess averages $4,641 with a typical range of $3,437 to $5,660. Premiums are determined by class of business, coverage limits, risk size, and loss history.
Excess and Surplus lines premiums run higher than admitted market rates because E&S carriers accept risks that standard markets decline — higher-hazard classes, unusual operations, or accounts with claims history. Pathpoint's 10-carrier New Hampshire panel generates competitive pricing by routing each submission simultaneously to all eligible carriers.
There is no cost to access Pathpoint. Agents earn standard retail commission on every policy bound. New Hampshire's 3.0% surplus lines tax is applied at checkout and passed through to the insured automatically — it does not reduce agent commission and is remitted to the state by Pathpoint.