Who requires it
New Hampshire Insurance Department
License & permit · New Hampshire
New Hampshire Public Adjuster Bond
Before the Insurance Commissioner issues a public adjuster license, RSA 402-D:11 requires coverage of at least twenty thousand dollars. Applicants may use a surety bond from an insurer authorized to write surety in New Hampshire or an irrevocable letter of credit from a qualified financial institution. The bond is payable to the state and specifically authorizes recovery by the commissioner for persons damaged by erroneous acts, failures to act, fraud convictions, or unfair-practice convictions in the adjuster’s capacity. Coverage may not terminate unless at least thirty days’ prior written notice reaches the commissioner and the licensee, and public-adjuster authority ends automatically if that coverage terminates or becomes impaired.
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
Maintain while licensed; 30-day termination notice; authority ends if coverage 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 thirty days’ written termination notice with the commissioner and the licensee before ending a surety. Replace impaired or terminated coverage immediately—authority to act as a public adjuster ends automatically if the required coverage lapses.
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
- Lapse effect
- Public-adjuster authority terminates if the required coverage ends or is impaired
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 thirty days’ prior written notice to the commissioner and the licensee. If the required coverage terminates or becomes impaired and is not replaced, authority to act as a public adjuster ends automatically 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 real estate broker license until the applicant gives the Real Estate Commission a commission-approved bond of not less than twenty-five thousand dollars. RSA 331-A:14 makes the bond payable to the state for the benefit of any person harmed and conditions it on the broker’s faithful accounting for funds entrusted in the principal or managing-broker capacity. The commission may revoke the license whenever the filed bond ceases to be in full force and effect.
Motor Vehicle Dealer Bond
$25,000
New Hampshire conditions dealer plates and licenses on a twenty-five-thousand-dollar surety—or an equivalent certificate of deposit or irrevocable letter of credit the department accepts—under RSA 261:98. The statute reaches every retail vehicle dealer, every auto wholesale dealer, every automotive recycling dealer specified in RSA 261:123, and utility dealers when the commissioner’s rules require bonding. The instrument protects natural-person buyers against unpaid dealer drafts, failed clean-title delivery, stolen vehicles, and knowing odometer nondisclosure, and—for dealer agents appointed under RSA 261:74-h—also covers towns, cities, or the state for uncollected or unpaid registration and title fees. A separate bond is required for each different name under which the dealer does business and for each community where the dealer keeps 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
New Hampshire will be preselected. Choose your bond type in the application—we confirm the correct product against your agency form before anything is issued.
Last verified 2026-08-12. This guide is based on verified educational content and official sources.
Agents Ready to Help
Share your agency checklist or bond form and we will confirm the agency, amount, and filing steps before issuing.
Talk to the pro →