Insurance 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 licensed as insurance consultants may charge a fee for services, but may not receive commissions in connection with a related sale of insurance.  N.M. Stat. Ann. § 59A-11A-7; N.M. Stat. Ann. § 59A-16-24. 

Yes.  A consultant may charge a fee only under the terms of a written agreement signed by the customer specifying the services to be provided and the fee to be charged.  N.M. Stat. Ann. § 59A-11A-5.  If a consultant does not enter into a contract prior to providing services, the consultant must provide a written statement of the service provided and a receipt for the fee paid.  N.M. Stat. Ann. § 59A-11A-6. 

See regs under charging fees in lieu of commissions

Yes.  A producer must be licensed as a consultant to charge fees for consulting services.  N.M. Stat. Ann. § 59A-11A-1. 

The overall cap on all damages is $600,000 but does not apply to compensation for past or future medical care. $200,000 maximum provider liability (affirmed by Siebert v. Okun in 2021).