Insurance Agent Permit Requirements in Concord, NH

1. EIN (Employer Identification Number)

   Required if you have employees or operate as an LLC or corporation. Free from the IRS.

   Official government source

   Free·Immediate (online application)

   Free

   Immediate (online application)

1. New Hampshire — No Sales Tax

   New Hampshire has no state sales tax and no local sales taxes, so businesses need no sales tax permit or resale registration for sales tax purposes. Businesses may instead owe the Business Enterprise Tax and the Business Profits Tax, both administered by the NH Department of Revenue Administration; BET paid can be credited against BPT. Restaurants, caterers and lodging operators separately collect the Meals and Rooms (Rentals) Tax and must hold a DRA license for it. Filing and payment are handled through DRA's Granite Tax Connect portal.

   Official government source

   No fee to register for business taxes with DRA. For taxable periods beginning on or after January 1, 2025, a BET return is due from any enterprise with more than $298,000 in gross receipts or an enterprise value tax base above $298,000; the BET rate is 0.55%·Immediate — registration and filing are done online through Granite Tax Connect

   No fee to register for business taxes with DRA. For taxable periods beginning on or after January 1, 2025, a BET return is due from any enterprise with more than $298,000 in gross receipts or an enterprise value tax base above $298,000; the BET rate is 0.55%

   Immediate — registration and filing are done online through Granite Tax Connect

2. Errors and Omissions (E&O) Insurance

   New Hampshire does not require insurance producers to carry Errors and Omissions coverage as a condition of licensure — the NH Insurance Department licenses producers but does not mandate E&O. Carriers and appointing agencies commonly require it, and it covers claims arising from professional mistakes or failures to act. Confirm your appointing carrier's requirement before binding a policy.

   Official government source

   Set by the private insurance market, not by the State; premiums vary with revenue, lines written and coverage limits·Coverage can usually be bound quickly once an application and quote are complete

   Set by the private insurance market, not by the State; premiums vary with revenue, lines written and coverage limits

   Coverage can usually be bound quickly once an application and quote are complete

1. New Hampshire Insurance Department — Insurance Producer License

   Insurance agents in New Hampshire must be licensed by the NH Insurance Department. Requires pre-licensing education, passing the state exam, and a background check.

   Official government source

   $210 initial license fee; $150 biennial renewal·2–6 weeks

   $210 initial license fee; $150 biennial renewal

   2–6 weeks

2. City of Concord — No General Business License

   Concord does not require a general business license, and the City Clerk does not run a business-licensing program (the Clerk handles dog licensing, vital records and elections). Licensing that does exist is administered by the Code Administration Division's Health and Licensing Services and is limited to specific activities — food service establishments, tattoo parlors and artists, peddlers and vendors, pawnbrokers and secondhand dealers, entertainment and places of amusement, taxicabs, junk dealers, charitable solicitation and special events. Check the City's Permits and Licenses page for what applies to your trade.

   Official government source

   No general business license fee. Activity-specific licenses carry their own fees, most with a $30 non-refundable application fee (for example a food service license is $74 to $534 per year by class, and a tattoo establishment is $158 per year)·Not applicable — there is no general business license to apply for

   No general business license fee. Activity-specific licenses carry their own fees, most with a $30 non-refundable application fee (for example a food service license is $74 to $534 per year by class, and a tattoo establishment is $158 per year)

   Not applicable — there is no general business license to apply for

Official Sources

• New Hampshire Insurance Department — Insurance Producer License
• City of Concord City Clerk

Related Guides