Producers may charge fees in addition to or in lieu of receiving commissions for insurance placement, provided such compensation is contemplated in the premium/charge for insurance filed with and approved by the commissioner and/or included in the policy. Producers may charge also fees for services unrelated to an insurance transaction.  N.H. Rev. Stat. Ann. § 417:4.  

Yes.  A fee unrelated to insurance transactions may be charged only under the terms of a written agreement signed by the customer, specifying the services to be provided and the fee to be charged, or if it is in a form approved by the commissioner.  The consultant must provide the customer with a disclosure statement specifying the advice given, a receipt, and a general business disclosure statement.  N.H. Rev. Stat. Ann. § 405:44-d; N.H. Rev. Stat. Ann. § 405:44-e; N.H. Rev. Stat. Ann. § 405:44-f. 

Yes, see fees in lieu of commissions

Yes, see fees in lieu of commissions

No

All employers

Prohibits specific deductible limits below $20,000

Prohibits aggregate coverage attachment points of less than $4,000 per person, or 110% of expected claims (120% for small employers) or $20,000, whichever is greater.

Cap found unconstitutional (Court struck down a bill to impose a $875,000 cap on all personal injury non-economic damages).

N/A