Coverage line

A missing tooth interrupts the motion of an otherwise sturdy pair of machine gears.Illustration for The General Average

What Equipment Breakdown Insurance Requirements Apply in New Hampshire?

For new New Hampshire boilers and pressure vessels subject to RSA 157-A, the rule effective September 19, 2026 requires notice, inspection and a certificate before operation. Recurring inspection intervals then differ by boiler type and, for pressure vessels, corrosion status. Check the exact unit and exemption category before aligning state records with equipment and downtime terms in a quote.

What Is Equipment Breakdown Insurance?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. Read the national Equipment breakdown guide.

What to Watch for With Equipment Breakdown in New Hampshire

Ask how the state classifies each pressure vessel
New Hampshire requires biennial certificate inspection for pressure vessels subject to internal corrosion. For vessels not subject to internal corrosion, the commissioner sets the interval; internal inspection is not required when contents are known to be noncorrosive to the vessel material or adequately treated with a corrosion inhibitor, provided construction follows the rules. Keep the corrosion basis and state inspection interval with the unit record instead of assuming every vessel is on the same two-year cycle. ²
Schedule notice and certification before starting a new unit
For a new boiler or pressure vessel subject to RSA 157-A, Lab 1200, effective September 19, 2026, requires the owner or designee to notify the department in writing and request inspection. The department schedules the inspection, assigns a jurisdiction number and issues a report; the unit may not operate until inspection is complete and a certificate is issued. Put those steps before commissioning in the startup plan, after checking the statutory exemptions. ^3,¹
Check the full exemption section before assuming a unit is covered by inspection rules
New Hampshire exempts the inspection requirements in RSA 157-A:8, 9-a and 10 for buildings used exclusively as private residences or apartment houses with fewer than three family units, then separately lists boiler, pressure-vessel and hot-water-heater exclusions. Pressure-vessel examples include certain federally controlled, transport, vehicle, rail, small-volume/pressure, cold-water, pump-pressurized and Group I refrigerant equipment. Match the unit to the exact category and conditions; an exemption from inspection is not an insurance exclusion or grant. ^1,²
Model downtime from the policy schedule, not the inspection certificate
A 2015 HSB form is a dated wording example. It applies Property Damage to covered property at a location shown in the declarations. Business Income pays actual loss during the period of restoration only when it results directly from a necessary total or partial interruption caused by a Covered Cause of Loss; Extra Expense covers reasonable and necessary expenses to operate during that period. Each coverage has a declared limit. A time deductible applies only if shown in the declarations, and Business Income is subject to coinsurance unless the declarations say otherwise. Ask the insurer to identify the machines and New Hampshire locations and show the Business Income values and limit, any time deductible, coinsurance basis and restoration period in the actual quote and policy. This 2015 specimen does not establish current New Hampshire availability or your contract. ⁴

Providers With New Hampshire License Records

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in New Hampshire?

New Hampshire Insurance Department

The New Hampshire Insurance Department licenses insurance producers and insurers, oversees insurance markets and investigates complaints concerning entities within the Commissioner’s authority. Its consumer services line is 800-852-3416. ^5,^6,^7,⁸

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-852-3416

Surplus-Lines Tax and Stamping Office in New Hampshire

Reported tax rate. 3% on the New Hampshire allocation; other-state allocations use those states’ rates and fees ^9,^10,¹¹

New Hampshire charges 3% on gross premium allocated to New Hampshire; for multistate coverage, premium allocated elsewhere is taxed at the rates and fees applicable in those jurisdictions, less qualifying returned premium. The policy notice states that the New Hampshire Guaranty Association will not be liable for surplus-lines policies; placement ordinarily requires proof that admitted coverage cannot be obtained.

Questions to Ask Before You Buy Equipment Breakdown in New Hampshire

For each new boiler or pressure vessel subject to RSA 157-A, who will give written notice, request the inspection and obtain the certificate before operation?
For each pressure vessel, what evidence supports the corrosive or noncorrosive classification and resulting inspection interval?
What equipment and New Hampshire locations appear in the quote, and what Business Income values and limit, any time deductible, coinsurance basis and period of restoration apply after a covered breakdown that causes a necessary total or partial interruption?

Equipment Breakdown Insurance in New Hampshire: FAQ

Are New Hampshire pressure vessels all inspected every two years?

No. Vessels subject to internal corrosion have biennial certificates. The commissioner sets intervals for vessels not subject to internal corrosion, and an internal inspection may not be required when the statute’s noncorrosive-content and construction conditions are met. ²

Does a New Hampshire inspection certificate determine what an insurer will pay?

No. The certificate is part of the state safety and operating process. The policy and declarations set covered equipment, covered causes, limits and interruption terms. ^3,⁴

Sources

18 documents, numbered as cited. Open the sources

Sources for Equipment Breakdown Insurance in New Hampshire

1
N.H. Rev. Stat. Ann. Chapter 157-A: Boilers and Pressure Vessels. New Hampshire General Court; RSA 157-A:6(I)–(IV): full category-by-category exemptions for small residential buildings, boilers, pressure vessels and hot-water heaters; amendment history includes 2023, 79:94 effective July 1, 2023; accessed 2026-09-29. Accessed 2026-09-29.
2
N.H. Rev. Stat. Ann. § 157-A:8: Inspection of Boilers and Pressure Vessels. New Hampshire General Court; § 157-A:8(II)(a)–(i), (V): construction/installation and certificate inspection duties; separate boiler and pressure-vessel intervals; corrosion-dependent vessel treatment; two-month grace and inspector discretion; accessed 2026-09-29. Accessed 2026-09-29.
3
Adopted Text #14700 (NN 2026-75): Boilers and Pressure Vessels, Lab 1200. New Hampshire Office of Legislative Services; As-filed adopted Lab 1200 rule, effective 2026-09-19; Lab 1204.01(a)–(f): written notice, inspection request/scheduling, jurisdiction ID, written report and certificate for new covered units; unit cannot operate before inspection completion and certificate issuance. Also Lab 1203.03–.04 extensions; accessed 2026-09-29. Accessed 2026-09-29.
4
Equipment Breakdown Coverage Form, TEC150 07/2015. The Hartford Steam Boiler Inspection and Insurance Company (hosted by Munich Re); Form pp. 1, 3, 9–11, 21: p. 1 says Property Damage applies to covered property at a location indicated in the Declarations; each listed coverage is subject to a coverage-specific Declarations limit and applies only to the direct result/portion solely attributable to a Covered Cause of Loss. Business Income pays actual loss during the period of restoration only when it results directly from a necessary total or partial interruption; Extra Expense pays reasonable and necessary expense to operate during that period. P. 3, Expediting Expenses applies to damaged covered property and pays reasonable extra cost to make temporary repairs and expedite permanent repairs or replacement. P. 9 describes declared coverage limits and dollar/indirect deductibles; p. 10 says a time deductible applies only if shown in the Declarations and, unless otherwise shown there, Business Income is subject to coinsurance; pp. 10–11 explain the coinsurance calculation using estimated annual Business Income shown in the Declarations and actual annual value at the affected location. P. 21 defines the ordinary period of restoration as ending at the earlier of repair/replacement or when it could have been completed with due diligence and dispatch, plus any days shown for an Extended Period of Restoration. Dated 07/2015 specimen used only to explain wording, not current product availability, New Hampshire availability, or any buyer’s policy terms; accessed 2026-09-29. Accessed 2026-09-29.
5
New Hampshire Insurance Department. New Hampshire Insurance Department; Official regulator homepage. Accessed 2026-09-28.
6
New Hampshire State License Division Information. Sircon (state-designated licensing service); State-specific Sircon page identifies NH Insurance Department Licensing Division and license services, but does not expose an unambiguous public producer/company search link. Public lookup destination remains an evidence gap; do not claim this route is the public license search. Accessed 2026-09-28.
7
Consumer Complaint Form. New Hampshire Insurance Department; Official NHID fillable complaint form covers property/casualty including commercial; the official complaint process and 800-852-3416 are confirmed by Ins 102.08 at the source below. PDF endpoint returns HTTP 403 to this verifier, so retain it as a documented access limitation. Accessed 2026-09-28.
8
Insurance Department Rules. New Hampshire Insurance Department; Ins 102.08 identifies complaint investigation, consumer-service authority and contact details. Accessed 2026-09-28.
9
RSA 405-B:4, Single Home State Rate; Surplus Lines. New Hampshire General Court; Official statute: 3% on NH-allocated gross premium and other-state rates/fees on out-of-state allocations, less specified returned NH premium. Accessed 2026-09-28.
10
RSA 405:24, Applicability; Issue. New Hampshire General Court; Required nonadmitted surplus-lines policy notice and eligible insurer/placement provisions; surplus lines are not subject to ordinary admitted-insurer regulation. Accessed 2026-09-28.
11
RSA 405:24. New Hampshire General Court; Subsection III limits licensed surplus-lines placement to amounts not obtainable from an admitted company. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
14
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
15
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
16
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
17
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
18
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Equipment Breakdown Insurance Requirements Apply in New Hampshire?

What Is Equipment Breakdown Insurance?

What to Watch for With Equipment Breakdown in New Hampshire

Ask how the state classifies each pressure vessel

Schedule notice and certification before starting a new unit

Check the full exemption section before assuming a unit is covered by inspection rules

Model downtime from the policy schedule, not the inspection certificate