New Hampshire
While Other States Struggle, New Hampshire Boasts Insurance Is 'Going Quite Well'
Consumers are hearing a lot about insurance difficulties around the country. The news from California and Florida about how disasters, skyrocketing premiums and carrier withdrawals are making coverages hard to find and afford naturally raises concerns in other states.
New Hampshire Insurance Commissioner D.J. Bettencourt wants his state’s residents to know that the story in the Granite State is different and they have little to worry about.
“What I want to stress though to consumers is that things here in New Hampshire are going quite well,” said Bettencourt, who was confirmed as head of the New Hampshire Insurance Department (NHID) a year ago after serving as deputy insurance commissioner since early 2021.
“We’re not immune to the larger national and, in some cases, international trends that are causing the insurance industry to struggle. But what we want to ensure is that the situation in New Hampshire is being appropriately communicated,” Bettencourt said in an interview with Insurance Journal.
“We don’t want consumers to get the impression that coverages are hard to get these days, or they’re really expensive,” he said. For the vast majority of coverages in New Hampshire, “things are going about as well as possible.”
The message that things are going well in New Hampshire is one that Bettencourt wants the insurance industry to hear as well.
“We’re in a lot better shape here in New Hampshire than in other parts of the country to be sure,” he bragged, citing the state’s “high quality of life metrics” and its collaborative rather than adversarial approach to insurance regulation and legislation.
According to Deputy Insurance Commissioner Keith Nyhan, who joined the conversation, the Granite State is benefitting from competition and on the whole is “very insurable” on the property/casualty side. “Our risks compared to the Gulf Coast or California with its wildfires are less severe. Companies want to be in New Hampshire,” said Nyhan, who prior to being promoted to deputy commissioner last October served as director of NHID’s consumer services unit since 2007.
New Hampshire is a small insurance market. It ranks 44th, according to the National Association of Insurance Commissioners (NAIC). It’s a $12.6 billion total insurance market, with $3 billion in property/casualty. The state has about 1,300 insurers for all lines.
According to Bettencourt, its small size informs the state’s approach to insurance regulation. “We’re a small state and at the end of the day, if we become unreasonable in how we approach our regulatory philosophy, those companies will just withdraw from New Hampshire and, financially speaking, it’s not going to make a whole big difference to them,” he said. He added that the state has established a reputation “over many, many years” of being a collaborative and pragmatic regulator.
While there are things like the weather that states can’t control, the “regulatory attitude” is among the things he believes a state can control. “My philosophy is ‘let’s be collaborative, let’s work together’ to fix this problem,” stressed Bettencourt, who was a state legislator before he became a regulator.
Profitability
In its 2022 report card on state insurance regulation, the R Street Institute gave New Hampshire a B grade, the same grade it gave Maine, Vermont, Iowa, Kentucky, Washington and a few others.
Th insurance results also tell a positive story for insurers. According to the NAIC’s 2022 Profitability Report, insurers made a 12% gain on underwriting for all lines in 2022 and have averaged a 15% underwriting profit over the last decade.
All of this is not to say that there are no insurance challenges at all in New Hampshire. There is, in fact, one line of insurance that is a worry: general liability for nonprofits.
This is an “incredibly hard market, and I understand the reasons why,” Bettencourt said, citing the large claims with long tails seen in the sector.
The insurance for nonprofits issue has grown in importance in the context of the state’s continuing efforts to enhance programs for mental health and substance use disorder. The state makes the funding available and then puts the programs out for bid to community organizations to run them. In order to contract with the state, these organizations need to have general liability insurance. NHID has learned that in some cases, small to mid-sized nonprofits are unable to access coverage or afford it.
Bettencourt said NHID is working to address the matter. He said he does not want the state to lose the opportunities to rebuild the healthcare infrastructure to benefit people because it doesn’t have the nonprofit partners to run programs.
Nyhan agreed insurance for nonprofits is a difficult market right now. “It’s a risky business,” he commented, adding that NHID is “actively trying to get more companies to come to the state.”
Consumer Calls
Another matter Bettencourt wants to tackle is customer service— that provided by insurance carriers and by NHID itself.
NHID receives about 6.500 calls from consumers a year. About 500 of the calls will turn into formal complaints against an insurance carrier, according to Nyhan. The vast majority of the calls are from consumers who have a question about their policy or want help interpreting a letter that they received from their insurance carrier.
The most common consumer complaint has to do with frustrations with carriers’ customer service, especially the inability to speak with a human being.
Bettencourt said insurers want insureds to do everything online but many have difficulty navigating the portals and online systems. “When people need to file a claim, they’re typically not having their best day. So sometimes the task of going through all of the electronic portals and all of the different technology systems is overwhelming to them and they just want to get somebody on the phone.”
Overwhelming Technology
Asked if he thinks the industry is relying too much on digital and online service, expecting consumers to be comfortable going digital, Bettencourt didn’t hesitate.
“In my personal opinion, yeah. I mean the technology that’s coming online obviously provides a lot of opportunities. I understand that companies want to take advantage as much as they can, and they’re not wrong for wanting to do that.”
But, he added, “they need to also not forget that there are consumers at the end of the day who need to speak to another live human being. Their particular claim may be complex.”
He urged carriers to remember that in most situations where an insured needs to interact with their insurance carrier, it means something bad has happened. “When people need to file a claim, they’re typically not having their best day. So sometimes the task of going through all of the electronic portals and all of the different technology systems is overwhelming to them. They just want to get somebody on the phone.”
Bettencourt is on a mission to improve his department’s own customer service and what he calls “insurance literacy” among consumers. He believes a key to improving insurance understanding is to “raise awareness of the department’s existence” including what it does and the services it can provide to consumers to help them better understand their insurance, solve a problem or manage a crisis.
“We’re trying to figure out how we can meet the consumer, where they are and where they are on these new alternative ways of getting news, social media, podcasts, webinars. We’re trying to adapt along with the times because we cannot help the consumer that doesn’t know that we exist.”
“We’re trying to figure out how we can meet the consumer where they are and where they are on these new alternative ways of getting news, social media, podcasts, webinars. We’re trying to adapt along with the times because we cannot help the consumer that doesn’t know that we exist,” Bettencourt explained.
He said NHID’s consumer protection job includes going out into the community to meet consumers, initiate conversations, and distribute advisories.
NHID held a March symposium on property/casualty insurance cost drivers featuring Dr. Robert Hartwig, professor of finance at the University of South Carolina; Lee T. Dowgiewicz, CEO of Co-operative Insurance Companies; attorney George Roussos of Orr & Reno; and Christian Citarella, chief property/casualty actuary at the NHID.
The department has convened town halls including one with behavioral health providers to enhance NHID’s own understanding of their concerns. It has sponsored legislative updates for the public and press. Its webinars have touched on various subjects from how to prepare for potential weather disasters to what to know about wedding insurance.
Cat Response Team
The most recent initiative is a dedicated intergovernmental Weather Catastrophe Response Team, which the department sees as a proactive, coordinated, department-wide effort to support consumers in the aftermath of severe weather incidents. This team is tasked with organizing community outreach events in affected areas and collaborating with other state and federal agencies and officials to provide comprehensive support to consumers. The goal is to ensure that residents receive accurate information and timely assistance.
New Hampshire is not he most disaster prone state but it does face storm surge and rising tide threats along its coast. This July and last July some communities suffered flooding. Winter storms damage is not uncommon. Wildfires, tornadoes, hurricanes, earthquakes—those have been rare, thus far anyway.
“We’re really just trying to stay ahead of the curve,” offered Bettencourt, who believes that when people experience a major weather catastrophe, “their minds are going to be in a thousand different places.” He wants the department to be an obvious resource. So, for instance, if citizens have to go to a shelter to get information, he wants the department to be there to make sure insurance is part of the conversation.
“We obviously believe that an individual’s insurance coverages are going to be a big part of getting that individual’s life back on track,” he said.
He said the emphasis on communications and customer service is especially important to those who do not have an agent to call and for whom contacting their carrier is an unpleasant undertaking.
“The other thing is I think there are consumers who want to hear from an authoritative source in answer to a particular question or want to understand if the company’s handling their claim in the appropriate way,” he added.
For Bettencourt, the volume of calls in to NHID, along with the $6.5 million recovered for insureds every year, are measures of how well NHID is doing.
In fact, the more calls, the better.
“My goal is by the time I leave here to have that number at 10,000 or more calls a year, because that’s going to indicate to us that all of our outreach efforts are paying off,” the Granite State commissioner said.
Topics
New Hampshire
New Hampshire
NH Butterfly Monitoring Network Offers Online Trainings
CONTACT:
Heidi Holman, NH Fish and Game: 603-271-2461
Haley Andreozzi, UNH Cooperative Extension: (603) 862-5327
January 10, 2025
Concord, NH — Butterflies serve as important biodiversity indicators for ecosystem health and provide food for many speciess, such as migrating birds. There are more than 100 typess of butterflies in New Hampshire, but data on their presence and distribution is limited. With butterflies using forests, fields, wetlands, and backyards all over the state, volunteer observations are critical to providing a landscape view of these species.
A five-part online training series hosted by the NH Butterfly Monitoring Network will provide information on butterflies in New Hampshire, butterfly biology and identification, and how to get involved with the Network. The NH Butterfly Monitoring Network is a collaborative effort with a goal of engaging volunteers in counting and identifying butterflies across New Hampshire. Data collected by volunteers can contribute to the understanding of long-term trends in butterfly populations and inform conservation actions for both common and declining species.
Webinars in the series will include:
February 12, 6:30–7:30 p.m.: Intro to New Hampshire Butterflies
Mark Ellingwood, Wildlife Biologist and Volunteer with the Harris Center for Conservation Education
February 26, 6:30–7:30 p.m.: Wetland Butterflies of New Hampshire
Rick Van de Poll, Ecologist and Certified Wetland Scientist
March 12, 6:30–7:30 p.m.: Butterflying New Hampshire’s Woodlands
Levi Burford, Coordinator of the Errol Butterfly Count
March 26, 6:30–7:30 p.m.: Identifying New Hampshire’s Grassland Butterflies
Amy Highstrom, Coordinator of the Lake Sunapee Butterfly Count, and Vanessa Johnson, NH Audubon
April 9, 6:30–7:30 p.m.: Become a Volunteer Guide with NH Butterfly Monitoring Network
Haley Andreozzi, UNH Extension
All butterfly enthusiasts are welcome, with or without prior experience. For more information and to register for the session(s) you are interested in, visit nhbutterflies.org.
The NH Butterfly Monitoring Network is led by the NH Fish and Game Department and UNH Cooperative Extension with collaboration from partners statewide, including NH Audubon, Tin Mountain Conservation Center, the Harris Center for Conservation Education, and Ausbon Sargent Land Preservation Trust.
New Hampshire
Cooper scores 20, UAlbany beats New Hampshire
Posted:
Updated:
ALBANY, NY (NEWS10) — A strong second half powered the UAlbany women’s basketball team to their third conference victory in as many contests on Thursday night.
COACH COLLEEN MULLEN: “To start the game, New Hampshire had great defensive intensity and pace. Once we settled in and started moving the ball, we were able to capitalize with our inside-out game. In the second half, we had solid offensive execution and grinded out multiple defensive stops. This was a great team win on both ends.”
KEY STATS
- Graduate student Kayla Cooper led the team with 20 points, six rebounds, three steals, and three assists while shooting over 50% from the field.
- Fellow graduate student Jessica Tomasetti followed with nine points and five rebounds. The point guard also shot 50% from the field.
- Junior Gabriela Falcao tallied a team-high two blocks.
- As a team, the Great Danes totaled nine steals with 19 points off turnovers.
- The UAlbany defense did not allow any singular Wildcat to surpass seven points.
HOW IT HAPPENED
- Graduate student Lilly Phillips scored the first basket of the game after a combined four scoreless possessions.
- That defensive nature continued throughout the rest of the half.
- New Hampshire gained a 9-5 lead within four minutes of action but the Great Danes quickly answered to tie the score in the next two minutes.
- UAlbany ended the quarter with a one-possession advantage, 14-11.
- Throughout the second quarter, the Great Danes allowed just two field goals for five Wildcat points.
- Four different Great Danes scored in a defensive quarter to make it a 24-16 game at halftime.
- The second half was a different game – UAlbany nearly doubled its score from the first half in the third quarter alone.
- The Great Danes began the third with a 12-2 scoring run. Ten of those points were scored in just two minutes and 23 seconds.
- Kayla Cooper and Jessica Tomasetti combined to score 10 additional points and close the third quarter with a 22-point advantage, 46-24.
- Cooper and Tomasetti scored all but three of the 22 points in the third quarter. Cooper tallied 12 alone.
- Following two fourth-quarter layups from senior Laycee Drake and Phillips, the Great Danes held a 26-point lead.
- UAlbany continued to extend their lead throughout the next seven minutes of action. The largest lead of the contest came with 1:24 left – 29 points (59-30).
- The Wildcats got the final say to make it a 27-point decision, 59-32.
NEXT: The Great Danes will close out the week at home against Maine on Saturday (Jan. 11).
New Hampshire
Ayotte uses inaugural speech to praise NH, offer warnings
Gov. Kelly Ayotte used her first speech as New Hampshire’s 83rd chief executive Thursday to call for “common-sense cooperation” as the state tackles issues ranging from housing, to education, to the state budget.
In her roughly 45-minute long inaugural address, Ayotte simultaneously lauded New Hampshire as a model for the rest of the nation, but warned that pressing concerns — financial and otherwise — would require policymakers to make difficult decisions in the coming months.
You can watch Ayotte’s full inauguration speech here.
“I could not be more optimistic about our future, but at the same time we have real challenges that we have to take head on, if we want to keep our state moving in the right direction,” Ayotte told a crowd in the State House’s Representatives Hall that included current lawmakers and state officials, as well as several former governors, congressmen, and other political veterans.
“Whenever we talk about cuts, just like a family making hard decisions, there are things we can’t skimp on: protecting our most vulnerable and serving those most in need.”
Gov. Kelly Ayotte, forecasting upcoming state budget negotiations
Ayotte said she’s proud the state ranks high in categories including freedom, public safety, and taxpayer return on investment, but said slowing tax collections and the end of billions of dollars of federal aid dictates that the state “recalibrate” its spending.
“Whenever we talk about cuts, just like a family making hard decisions, there are things we can’t skimp on: protecting our most vulnerable and serving those most in need,” Ayotte said.
Ayotte’s speech was light on specifics — she called for few clear policy initiatives or spending cuts — but she did announce one new state initiative: a Commission on Government Efficiency, or COGE, to help identify ways to spend less state money. The committee will be led by former Gov. Craig Benson, who nominated Ayotte to be New Hampshire attorney general in 2004, and businessman Andrew Crews, a longtime political donor to Ayotte.
Ayotte told the Democratic leaders of the New Hampshire House and Senate that her door would always be open to them. She meanwhile asked GOP legislative leaders to “marshal our Republican majorities over the next two years to deliver on the promises we made to keep our state moving in the right direction.”
Ayotte called public safety her “absolute top priority” and said she expected Republicans to pass a ban this year on so-called sanctuary policies, which aim to protect undocumented immigrants from criminal penalties. She also said the state needs to further tighten its bail policies, and boost police retirement benefits to make it easier to recruit officers and keep them on the job.
She identified housing as another top issue and said the state needs to “get serious” by modeling good behavior to cities and towns, by enforcing a 60-day turnaround on state permits for new housing projects. She also promised to “strengthen new and existing partnerships” between the state, cities and towns and the private sector to get new housing units built.
Ayotte also highlighted education, and said while New Hampshire’s current rate of pupil spending was “wonderful,” lawmakers need to “keep it up” while simultaneously expanding the state’s voucher-like school choice program. Ayotte also promised to ensure students can learn and teachers can teach without distraction by banning cell phones in the classroom.
“Screens are negatively impacting our learning environments,” Ayotte said. “No more.”
On other issues, Ayotte promised to expand the state’s ranks of mental health providers, strengthen anti-suicide efforts, oppose a controversial landfill proposal in the town of Dalton, and veto any new abortion restrictions.
More digs at Massachusetts — but also a welcome
After framing her gubernatorial campaign last year as a rebuke of Massachusetts, Ayotte also used her inaugural address as another chance to take digs at the Granite State’s southern neighbor.
Ayotte criticized policymakers there for what she described as out-of-control spending, tax hikes, and lax immigration policies. But she did say New Hampshire welcomes Massachusetts residents as shoppers and visitors.
One of Ayotte’s biggest applause lines was addressed to Bay State business leaders.
“To the businesses of Massachusetts: We’d love to have you bring your talents to the Granite State,” she said. “We’re happy to show you why it’s better here.”
Ayotte extended a similar invitation to Canadian businesses, saying they would be especially welcome in New Hampshire’s North Country.
Lawmakers say they’re ready to get to work
Republicans in both legislative chambers will enjoy sizable majorities this session, and the party’s leaders say they’re ready to use those numbers to advance the policy goals Ayotte laid out Thursday.
House Majority Leader Jason Osborne praised the governor’s speech and said that along with the expansion of Education Freedom Accounts, his caucus will focus on “addressing issues of affordability across all sectors: housing, healthcare, electricity, you name it.”
He expressed optimism about Ayotte’s proposed COGE initiative to make government more efficient, but acknowledged that trimming the state budget could cause tension as lawmakers seek to protect their favorite programs.
“Everything we do is someone’s favorite pet project, so we’ve got to figure out who is going to get sent to the chopping block,” he said.
Osborne added that while his majorities are larger this session than last term’s near evenly split House makeup, he knows there will be disagreement within his own caucus.
“The more willing that we are to let people do their own thing, for things that are important to them, the more we’re going to be able to band together and get things done together, as well,” he said.
Sen. James Gray, a Republican from Rochester who leads the Senate Finance Committee, told reporters it was too early in the budgeting process to forecast where the state may trim to balance its books. He said he plans to work with Ayotte to advance her campaign promises.
With a 40-seat disadvantage, House Democrats will have little ability to set the legislative agenda this session, but Minority Leader Alexis Simpson of Exeter said she was grateful that Ayotte expressed a willingness to work across the aisle. She said Democrats would focus on ensuring any budget reductions don’t end up harming the state’s neediest residents.
“We feel these budget cuts at the state level will lead to higher costs at the local level, so we’re really working on making sure the vulnerable populations that Gov. Ayotte spoke about really are protected in this budget,” Simpson said.
Simpson also said she hoped for bipartisan collaboration on housing, mental health services and other issues.
Notable political faces fill the room
Thursday’s inauguration ceremony brought out a crowd of high profile political figures in the state, past and present.
Outgoing Gov. Chris Sununu received a sustained round of applause when he entered Representatives Hall, and was again thanked by Ayotte during her speech for his eight years of service to the state.
Others present included former Congressman Charlie Bass and Scott Brown, a former U.S. Senator representing Massachusetts and ambassador to New Zealand, who was also New Hampshire’s 2014 Republican U.S. Senate nominee. Also in attendance was former Gov. Maggie Hassan, who now serves in the U.S. Senate after unseating Ayotte in 2016.
Former Gov. Craig Benson was seated in the chamber, as was Manchester Mayor Jay Ruais, who entered the room to cheers.
Four of the five justices on the New Hampshire Supreme Court were in attendance, as were federal judges for the District of New Hampshire. New Hampshire Chief Justice Gordon MacDonald swore in Ayotte, while she was flanked by her husband and two children.
Members of the Executive Council were also sworn in during Thursday’s proceedings.
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