Who requires it
New Hampshire Insurance Department
License & permit · New Hampshire
New Hampshire Public Adjuster Bond
New Hampshire public adjusters must have at least $20,000 of coverage on file before the Insurance Department issues a license. RSA 402-D:11 allows either a surety bond from an authorized insurer or an irrevocable letter of credit from a qualified bank. The bond protects people harmed by the adjuster’s mistakes, fraud, or unfair practices. The surety must give at least 30 days’ notice before ending coverage. If the bond or letter of credit lapses, you may no longer act as a public adjuster.
Common bond amount
≥ $20,000
Minimum surety or irrevocable letter of credit under RSA 402-D:11.
How you file
Surety bond or irrevocable letter of credit
Renewal
Keep coverage active while licensed. You cannot act as a public adjuster if it lapses.
Who requires it
Applicants for and holders of New Hampshire public adjuster licenses under RSA chapter 402-D.
How much is required
RSA 402-D:11 sets a floor of at least twenty thousand dollars for either the surety bond or the irrevocable letter of credit. The statute does not publish a claims-volume ladder above that minimum.
How to get and file it
Have an authorized surety issue a public-adjuster bond of at least $20,000, or arrange a qualifying irrevocable letter of credit, then include that evidence with the Insurance Department licensing package (commonly through NIPR/producer channels the department publishes). Keep the bond or letter of credit in force for the life of the license. File at least 30 days’ written notice with the Insurance Department and the licensee before ending coverage. Replace lapsed coverage immediately—you may no longer act as a public adjuster if the required coverage ends.
Cost note
Twenty thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Minimum amount
- $20,000
- Accepted forms
- Surety bond or irrevocable letter of credit
- If coverage lapses
- You may no longer act as a public adjuster until coverage is replaced
Official sources
Related resources
Frequently asked questions
Can I use a letter of credit instead of a New Hampshire public adjuster bond?
Yes. RSA 402-D:11 accepts an irrevocable letter of credit of at least $20,000 from a qualified financial institution as an alternative to the surety bond.
What happens if my bond is canceled?
The surety must give at least 30 days’ prior written notice to the Insurance Department and the licensee. If the required coverage ends and is not replaced, you may no longer act as a public adjuster under RSA 402-D:11.
Related New Hampshire bond guides
Real Estate Broker Bond
≥ $25,000
New Hampshire will not issue or renew a principal or managing broker license until you file a Real Estate Commission–approved bond of at least $25,000. RSA 331-A:14 protects people if the broker mishandles money entrusted to the brokerage. The commission can revoke the license if the bond lapses.
Motor Vehicle Dealer Bond
$25,000
New Hampshire DMV dealer licenses require a $25,000 bond—or a certificate of deposit or letter of credit DMV accepts—under RSA 261:98. That covers retail, wholesale, and automotive recycling dealers, and utility dealers when DMV rules require a bond. The bond protects individual buyers if a dealer’s check is unpaid, a clean title is not delivered, a vehicle was stolen, or the odometer was not disclosed. For dealer agents who handle registrations, it also covers unpaid town, city, or state title and registration fees. You need a separate bond for each business name and each community where you have a place of business.
Credit Services Organization Bond
$5,000–$25,000
Credit services organizations that want to collect money before finishing the promised services must first post a surety bond or open a trust account under RSA 359-D:3 and :8. The amount equals five percent of the fees charged buyers under contracts during the previous twelve months, but never less than five thousand dollars or more than twenty-five thousand dollars. A bond copy—or trust-account depository, trustee, and account-number notice—files with the Secretary of State. The amount resets once a year no later than the tenth day of the organization’s first fiscal-year month.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a New Hampshire application
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Last verified 2026-08-12. This guide is based on verified educational content and official sources.
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