A trust company shall maintain the level of capital required under N.H. Rev. Stat. § 383-C:5-502, a fidelity bond under N.H. Rev. Stat. § 383-A:4-405, an errors and omissions liability insurance policy under N.H. Rev. Stat. § 383-A:4-406, and a liquidation pledge under N.H. Rev. Stat. § 383-C:5-503. The commissioner shall consider a trust company’s safety and soundness and the protection of the trust company’s clients in determining the appropriate amounts of required capital, fidelity bond coverage, errors and omissions liability insurance coverage, and liquidation pledge for the trust company. 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 trust company.