What Commercial Auto Insurance Requirements Apply in Maine?

Maine sets a $750,000 combined single limit for intrastate commercial motor vehicles under 29-A M.R.S. §1611(2)(G), added by Public Law 2025, chapter 107. Passenger-for-hire schedules still depend on route and seats, and required insurance must stay in force during vehicle registration.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Maine Commercial Auto Insurance Requirements

Requirement	Details
Intrastate commercial motor vehicle	$750,000 combined single limit ¹
Passenger-for-hire vehicle, intrastate and interstate	Separate limits by seats and route; see 29-A M.R.S. §1611(2)(B)–(C) ¹
General motor vehicle minimums	50/100/25 liability; $2,000 medical payments; UM at least 50/100 ²

What Should You Watch for With Commercial Auto Insurance in Maine?

Use The 2025 Intrastate Commercial Limit
Maine §1611(2)(G), added by Public Law 2025, chapter 107, sets a $750,000 combined single limit for intrastate commercial motor vehicles. Check that the policy and state filing reflect the current statute rather than an older guide. ¹
Passenger Limits Depend On Seats And Route
Maine §1611 sets intrastate passenger-for-hire tiers from $125,000 to $2 million by seats, and interstate tiers of $1.5 million for 15 or fewer passengers or $5 million for 16 or more. Tell the broker the seat count, route, and whether a student-transport contract applies; school buses use a separate tier. ¹
Cancellation Notice Is Tied To Vehicle Registration
For vehicles subject to §1611, owners must maintain required insurance or bond during registration, and the insurance provider must give the Secretary of State at least 30 days’ cancellation notice. The Secretary may suspend or revoke registration or plates when the required security lapses; arrange a replacement before cancellation. ¹
Maine Requires UM And Medical-Payments Protection
The Bureau of Insurance states that motor vehicle owners/operators need $2,000 medical-payments coverage and UM at least 50/100; higher liability limits generally require matching UM unless rejected in writing. Ask how those state requirements are reflected on the commercial form. ²

Which Commercial Auto Insurance Providers Have Maine License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Maine. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁴
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Maine?

Maine Bureau of Insurance

The Maine Bureau of Insurance licenses producers and companies, enforces Maine insurance laws, and investigates property and casualty complaints including commercial coverage complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-300-5000

Surplus-Lines Tax and Stamping Office in Maine

Reported tax rate. 3% of gross direct premium when Maine is the insured's home state ^6,^7,⁸

Maine charges 3% of gross direct premium when it is the insured's home state; your broker handles the tax and may include it with the premium. Surplus-lines policies are outside Maine guaranty-association protection. Maine generally requires a diligent search, with an exempt-commercial-purchaser exception requiring broker disclosure and the purchaser's written request.

What Should You Ask Before Buying Commercial Auto Insurance in Maine?

Does our Maine operation qualify as intrastate commercial motor vehicle service under §1611(2)(G)?
What passenger limit applies based on seats and whether our trips cross state lines?
Has the insurer sent Maine’s required cancellation notice and filed replacement evidence?
If our liability limit exceeds 50/100, did we select matching UM or reject it in writing?

Commercial Auto Insurance in Maine: Frequently Asked Questions

What is Maine’s minimum limit for an intrastate commercial vehicle?

Maine law sets a $750,000 combined single limit for intrastate commercial motor vehicles under §1611(2)(G), added by Public Law 2025, chapter 107. ¹

Does Maine use one limit for every passenger-for-hire vehicle?

No. Section 1611 sets different intrastate and interstate limits based on route and passenger capacity, with a separate school-bus schedule. Match the vehicle’s use and passenger count to the applicable paragraph. ¹

Sources for Commercial Auto Insurance in Maine

1
29-A M.R.S. §1611, Insurance, bond or self-insurance required. Maine Legislature, Office of the Revisor of Statutes; §1611(2)(A)–(G): freight/passenger tiers including PL 2025 c.107 $750k intrastate CMV; (3) maintenance, 30-day notice and suspension; (6) public-vehicle exception. Accessed 2026-09-28.
2
Insurance Required by Law. Maine Bureau of Insurance; Liability, medical-payments and UM/UIM coverage limits. Accessed 2026-09-28.
3
Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
4
Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
6
36 M.R.S. §2531. Maine Legislature; 36 M.R.S. §2531(1)-(2), current page: home-state basis; 3% tax; producer pays on chapter 19 surplus lines. Accessed 2026-09-28.
7
24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
8
24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Maine?

What Is Commercial Auto Insurance?

Maine Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Maine?

Use The 2025 Intrastate Commercial Limit

Passenger Limits Depend On Seats And Route

Cancellation Notice Is Tied To Vehicle Registration

Maine Requires UM And Medical-Payments Protection

Which Commercial Auto Insurance Providers Have Maine License Records?

Corgi

TechInsurance