--- title: "Maine Crime Insurance Guide" description: "Build Maine’s check-fraud review routine around the bank’s statement rules, and compare it separately with employee-theft and social-engineering coverage." canonical: "https://spot.insure/coverage/crime/maine" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/maine) # Maine Crime Insurance Guide Maine’s check rules call for prompt review of bank statements and give a business a limited period to report unauthorized signatures or alterations to its bank. A notable difference from many states’ current UCC text is that Maine Title 11 Article 3, including § 3-405, is repealed; do not assume that section supplies Maine’s rule for an employee’s forged endorsement. Map who handles checks, assign a statement reviewer, and ask a broker to show how the policy treats employee dishonesty, forged checks, and wires sent after social engineering.[^1][^2][^3][^4] **Coverage:** [Crime](/coverage/crime) · [Maine](/coverage/states/maine) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## What to Watch for in Maine ### Do not import a repealed check rule Maine Title 11 Article 3, Commercial Paper, marks § 3-405 and the article’s other sections as repealed. Avoid assuming another state’s current employee-endorsement rule applies in Maine. For your own policy review, list who can prepare checks, endorse incoming items, control payee details, and reconcile accounts, then ask the broker how those people are treated by the form.[^2] ### Review paid items and report promptly Maine § 4-406 requires a customer to examine available statements or items with reasonable promptness and promptly notify the bank of unauthorized signatures or alterations. For later items by the same wrongdoer, the bank may have a defense after a reasonable review period of no more than 30 days; the statute also sets an outside one-year period. These are bank-account rules, not insurer notice deadlines.[^1] ### Keep access to check images and approval records Under Maine § 4-406, a bank must return or make paid items available, or provide identifying statement details; when the items are not returned, the person retaining them must keep them or be able to furnish legible copies for seven years. Ask your bank how to retrieve images and preserve your own approvals and reconciliations. Check the policy for its separate proof and notice requirements.[^1] ## 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.[^5][^6][^7] - [Regulator website](https://www.maine.gov/pfr/insurance/home) - [License lookup](https://www1.maine.gov/pfr/insurance/node/3) - [File a complaint](https://www.maine.gov/pfr/insurance/consumers/file-a-complaint-dispute) - Phone: 800-300-5000 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3% of gross direct premium when Maine is the insured's home state 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.[^8][^9][^10] ## Providers With Documented State Licenses These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Maine; [check the regulator’s license lookup](https://www1.maine.gov/pfr/insurance/node/3) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^12] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^13] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^17] ## Questions to Ask Before You Buy in Maine 1. How does the policy define employee and covered property when our staff or contractors handle checks or customer funds? 2. Which insuring agreements address employee theft, forged checks, alterations, funds transfers, and payments made after a spoofed instruction? 3. Who checks each bank statement and retrieves paid-item images, and how quickly can they alert the bank and insurer? 4. What verification steps does our bank require for changes to vendor payment instructions, and are social-engineering losses subject to a separate sublimit? ## Crime in Maine: FAQ ### Can a Maine business rely on Title 11 § 3-405 for employee check fraud? No. The Maine Legislature’s Title 11 Article 3 page marks § 3-405 as repealed. Ask a Maine attorney about rights around a specific instrument and ask the broker to identify applicable policy wording.[^2] ### Does Maine’s one-year bank period also apply to an insurance claim? No. Section 4-406 concerns claims against the bank over unauthorized signatures or alterations. Use the policy’s own reporting and proof-of-loss instructions.[^1] ## Crime in Other States - [Alabama](/coverage/crime/alabama) - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Maine](/coverage/states/maine) ## Sources [^1]: [Maine Revised Statutes, Title 11, § 4-406: Customer’s duty to discover and report unauthorized signature or alteration](https://legislature.maine.gov/statutes/11/title11sec4-406.html) — Maine Office of the Revisor of Statutes; 11 M.R.S. § 4-406(1-A)–(4): paid-item availability and seven-year copy capacity, prompt examination, 30-day repeated-wrongdoer rule, and one-year outside limit. Page data extracted 2025-10-20; no amendment entry for § 4-406 appears in the Revisor’s 132nd R2 title-and-section index published 2026-05-14.. Accessed 2026-09-28. [^2]: [Maine Revised Statutes, Title 11, Article 3: Commercial Paper](https://legislature.maine.gov/statutes/11/title11ch3sec0.html) — Maine Office of the Revisor of Statutes; Article 3 contents, §§ 3-101 to 3-805; § 3-405 and the article are marked repealed, section history PL 1993, c. 293, Pt. A, § 1. Page data extracted 2025-10-20; no amendment entry for § 3-405 appears in the Revisor’s 132nd R2 title-and-section index published 2026-05-14.. Accessed 2026-09-28. [^3]: [Business Email Compromise](https://www.fbi.gov/how-we-can-help-you/common-frauds-and-scams/business-email-compromise) — Federal Bureau of Investigation; How BEC scams work; steps after a BEC incident, including immediate financial-institution contact and IC3 reporting.. Accessed 2026-09-28. [^4]: [Title & Section of Chaptered Laws, 132nd Legislature, Second Regular Session](https://legislature.maine.gov/doc/12517) — Maine Office of the Revisor of Statutes; By-title-and-section index, run May 13, 2026 and published May 14, 2026, for second regular session laws; relevant Title 11 entries are §§ 2-103, 2-1103, 3-1103, 4-104, 4-1105, 5-1102, 7-1102, 8-1102, and 9-1102. No entries for §§ 3-405 or 4-406; general effective date July 29, 2026.. Accessed 2026-09-28. [^5]: [Maine Bureau of Insurance](https://www.maine.gov/pfr/insurance/home) — Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28. [^6]: [Insurance License Lookup](https://www1.maine.gov/pfr/insurance/node/3) — Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^7]: [File an Insurance Complaint](https://www.maine.gov/pfr/insurance/consumers/file-a-complaint-dispute) — Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28. [^8]: [36 M.R.S. §2531](https://legislature.maine.gov/statutes/36/title36sec2531.html) — 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. [^9]: [24-A M.R.S. §4433](https://legislature.maine.gov/statutes/24-a/title24-Asec4433.html) — Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28. [^10]: [24-A M.R.S. §2002-A](https://legislature.maine.gov/statutes/24-a/title24-Asec2002-A.html) — Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28. [^11]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^12]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^13]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^14]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^15]: [Licenses](https://www.nextinsurance.com/insurance-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. [^16]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^17]: [Licenses](https://www.vouch.us/legal/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. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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