A family trust company shall maintain the required capital under N.H. Rev. Stat. § 383-D:6-602, a fidelity bond under N.H. Rev. Stat. § 383-A:4-405, and an errors and omissions liability insurance policy under N.H. Rev. Stat. § 383-A:4-406. For purposes of determining the appropriate amounts of required capital, fidelity bond coverage, and errors and omissions liability insurance coverage, the commissioner shall consider the family trust company’s safety and soundness and shall give primary consideration to the liability insurance coverage, which provides the primary protections for a family trust company’s family clients. In addition to the requirements in N.H. Rev. Stat. § 383-A:4-405 and N.H. Rev. Stat. § 383-A:4-406, any insurance deductible shall be reasonable and shall not jeopardize the safe and sound operation of the family trust company. N.H. Rev. Stat. § 383-C:5-501 shall not apply to family trust companies.