E&S Insurance in New Hampshire: Classes, Coverage & Quoting Guide
Pathpoint offers 9 Excess & Surplus (E&S) product lines in New Hampshire, covering 106+ class codes including Contractors, Contractors Excess, and LRO (Lessor's Risk Only). 66.8% of submissions receive an instant, bindable quote in about 76 seconds. With 9 active carrier partners, New Hampshire's 3.0% surplus lines tax calculated automatically at checkout, and diligent search documentation handled as part of binding, the average bound premium across all New Hampshire product lines is $3,998.
Key Takeaways
- 9 E&S product lines covering 106+ class codes in New Hampshire
- 66.8% of submissions receive instant, bindable quotes in about 76 seconds
- 9 carrier partners, including AU Gold, Baleen Specialty, Crum & Forster, LIO, Markel, Nautilus, The Hartford, Vave, and Westchester
- Surplus lines tax of 3.0%, calculated and filed automatically at bind
- Average bound premium of $3,998 across all New Hampshire product lines
What E&S product lines can I quote in New Hampshire?
New Hampshire agents on Pathpoint can quote 9 Excess & Surplus (E&S) product lines covering 106+ class codes. The lineup: Contractors (70 class codes), Contractors Excess (22), LRO (Lessor's Risk Only, 13), Restaurants (8), Retail & Services (4), Vacant Building (2), and Manufacturing (5). Contractors leads by bind volume with 46 bound policies in the trailing 12 months, followed by Contractors Excess (4) and LRO (3). All three carry strong appetite in New Hampshire, meaning high account quote rates and competitive carrier pricing.
Of the 9 product lines, 8 (89%) are instant-quotable, meaning Pathpoint returns a bindable quote automatically without underwriter review. The remaining line, Monoline Wind, is referred to Pathpoint's brokerage team for manual placement, with quotes typically returned within about 22 hours. Monoline Wind sits in the emerging appetite tier, reflecting a 0% account quote rate in the trailing 12 months as Pathpoint builds out carrier capacity for wind-exposed risks in the state.
How fast can I get an E&S quote in New Hampshire?
66.8% of New Hampshire submissions receive an instant, bindable quote, with a median turnaround of about 76 seconds. In that time, an agent can submit risk details, receive a quote, bind the policy, and download documents in a single session, without waiting on underwriter review. Pathpoint uses the median rather than a raw average because resubmitted accounts otherwise skew the number, so 76 seconds reflects the typical instant-quote experience for New Hampshire risks.
For the remaining submissions, referred risks such as Monoline Wind, Pathpoint's brokerage team reviews the account and returns a quote in a median of about 22 hours. Agents use the same submission workflow either way. The only difference is who prices the risk, an underwriter instead of the automated engine, not how the account is submitted or tracked.
Which carriers are available in New Hampshire?
Nine carriers quoted New Hampshire risks in the trailing 12 months: AU Gold, Baleen Specialty, Crum & Forster, LIO, Markel, Nautilus, The Hartford, Vave, and Westchester. Pathpoint's platform evaluates appetite by class code, location, risk size, and loss history, then routes each submission to the carriers most likely to quote it. When more than one carrier can quote a risk, the platform surfaces multiple options so the agent can compare pricing.
Carrier coverage spans all 9 New Hampshire product lines, from Contractors (70 class codes) down to Manufacturing (5). Pathpoint continues adding carrier relationships in New Hampshire, particularly for Monoline Wind, which is currently referred rather than instant-quotable while carrier capacity builds out.
Where is Pathpoint's appetite strongest in New Hampshire?
Pathpoint sorts New Hampshire product lines into three appetite tiers based on account quote rate: strong (50% or higher), active (20 to 50%), and emerging (under 20%). Seven lines carry strong appetite: Contractors, Contractors Excess, LRO, Vacant Building, Restaurants, Retail & Services, and Manufacturing. These lines post the highest account quote rates in the state, from 66.7% for Retail & Services up to 100% for Restaurants and Manufacturing, and typically see the most competitive carrier pricing.
One line, Monoline Property, sits in the active tier at a 34.8% account quote rate. One line, Monoline Wind, is in the emerging tier at a 0% account quote rate, meaning no bound classes in the trailing 12 months. For agents, active and emerging classifications mean the same submission workflow, just a longer, referral-based path to a quote while Pathpoint expands carrier partnerships for those classes in New Hampshire.
What are the surplus lines requirements in New Hampshire?
New Hampshire's surplus lines tax rate is 3.0%. Pathpoint calculates this automatically and applies it at checkout. New Hampshire has no surplus lines stamping office, so Pathpoint files all required surplus lines documentation electronically as part of binding, without any separate step for the agent.
Pathpoint handles diligent search documentation, confirming that admitted (standard) carriers won't write the risk before it moves to surplus lines, automatically as part of every New Hampshire submission. Filing follows the home state method under the Non-Admitted and Reinsurance Reform Act (NRRA), so New Hampshire collects the full tax on a multi-state risk when New Hampshire is the insured's home state. Agents don't file anything separately since Pathpoint handles compliance from submission through bind.
- Surplus Lines Tax
- 3.0%
- Stamping Office
- None
- Diligent Search
- Not specified
- Filing Method
- Home state
How does quoting E&S on Pathpoint work in New Hampshire?
Quoting New Hampshire E&S risks on Pathpoint follows four steps. First, the agent submits risk information through the platform. Second, Pathpoint routes the submission to carriers and returns a quote, instantly for 66.8% of submissions in about 76 seconds, or referred to the brokerage team for review. Third, once the agent accepts a quote, Pathpoint binds the policy with the 3.0% surplus lines tax and all required documentation handled automatically, since New Hampshire has no stamping office to file through. Fourth, policy documents are issued and delivered to the agent.
No surplus lines license is required to quote or bind through Pathpoint in New Hampshire. Pathpoint acts as the broker of record on every account, so agents earn standard retail commission without holding a surplus lines license themselves. There's no cost to create a Pathpoint account or to submit risks, agents only transact when a policy binds.
What does E&S insurance cost in New Hampshire?
The average bound premium across all New Hampshire E&S product lines is $3,998, based on 56 bound policies in the trailing 12 months. By product line, Contractors averages $4,037 with a typical range of $1,182 to $5,000, Contractors Excess averages $4,449 with a typical range of $3,556 to $4,965, and LRO averages $3,510 with a typical range of $2,285 to $4,989. Actual premium depends on class code, coverage limits, risk size, and loss history.
E&S premiums generally run higher than admitted (standard) market rates because surplus lines carriers take on risks that standard carriers decline. Pathpoint's multi-carrier platform quotes each New Hampshire submission across its panel of 9 carriers, which keeps pricing competitive within the surplus lines market. Exact pricing is only available at the quote stage, since it reflects the specific risk details submitted.
There's no cost to create a Pathpoint account or submit New Hampshire risks. Agents earn standard retail commission on every bound policy, and Pathpoint's 3.0% surplus lines tax is calculated and applied automatically at checkout, then passed through to the insured.