What Cyber Insurance Requirements Apply in Maine?

Maine requires resident notices as quickly as possible and no later than 30 days after the business becomes aware of a breach and identifies its scope, unless law enforcement delays notice. A required regulator report goes to your Maine Department of Professional and Financial Regulation regulator, or to the Attorney General if you are not regulated there.

What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. Read the national Cyber liability guide.

What Should You Watch for With Cyber Insurance in Maine?

Maine’s 30 Days Run After Awareness and Scope
The resident-notice deadline is no later than 30 days after the person becomes aware of the breach and identifies its scope. A third-party data maintainer must notify the owner immediately after discovery, so ask vendors how quickly they share evidence needed to establish scope and start your clock. ¹
The Filing Goes to Your Regulator or the AG
When notice to residents is required, Maine directs a regulated entity to notify the appropriate Department of Professional and Financial Regulation agency; otherwise it must notify the Attorney General. Maine’s AG specifically identifies licensed insurers as reporting to the Bureau of Insurance. Confirm your regulator before an incident, rather than defaulting to an AG filing. ^1,²
Maine Adds a Seven-Business-Day Re-Start Rule
If law enforcement delays notification, Maine allows no more than seven business days after the agency determines notice will not compromise the investigation. Ask the response team to capture the agency’s determination date and calendar that outside limit. ^1,²
Insurance Licensees Have a Separate Three-Day Report
Maine insurance licensees must notify the Superintendent as promptly as possible and within three business days after determining that a qualifying cybersecurity event occurred. The separate Insurance Data Security Act report can apply alongside the resident-notification law; ask your team which event facts meet §2266 criteria and who files both reports. ³

Which Cyber Insurance Providers Have Maine License Records?

These providers publish a national listing for Cyber liability; 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.

At-Bay
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay Insurance Services LLC
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ¹⁰
At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
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. ¹¹
Coalition offers cyber insurance.
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. ¹²
Corgi lists cyber insurance among its business insurance offerings.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹³
Hiscox offers cyber insurance for small businesses.
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. ¹⁵
TechInsurance arranges cyber insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁶
Vouch lists cyber liability in its technology-company programs.

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. ^4,^5,⁶

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 ^7,^8,⁹

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 Cyber Insurance in Maine?

When will our incident team consider Maine’s 30-day period started: awareness plus identifying the breach scope?
Which Maine PFR regulator receives our report, or do we report to the AG because we are not regulated by PFR?
Who records law enforcement’s release date and tracks Maine’s seven-business-day notice limit?
If our organization holds a Maine insurance license, who checks whether the separate three-business-day Superintendent report applies?

Cyber Insurance in Maine: Frequently Asked Questions

How many days does Maine give a business to notify residents?

No more than 30 days after the person becomes aware of the breach and identifies its scope, subject to a law-enforcement delay. ¹

Where must a Maine business report a breach?

To its appropriate Department of Professional and Financial Regulation regulator if regulated there; otherwise, to the Attorney General. ^1,²

How long may Maine notice be delayed after law enforcement releases it?

No longer than seven business days after law enforcement determines notice will not compromise the criminal investigation. ¹

Sources for Cyber Insurance in Maine

1
Maine Revised Statutes Title 10 §1348 - Security Breach Notice Requirements. Maine Legislature; 10 M.R.S. §1348(1)-(5); amendment history includes PL 2019, ch.512, §2. Accessed 2026-09-28.
2
Data Security Breaches - Business Reporting Guidance. Maine Attorney General; Investigate and Report; regulator routing and law-enforcement timing, accessed 2026-09-28. Accessed 2026-09-28.
3
Cybersecurity Event Reporting. Maine Bureau of Insurance; Insurance Data Security Act and NRPDA reporting requirements; 3-business-day deadline and resident deadline. Accessed 2026-09-28.
4
Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
5
Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
7
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.
8
24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
9
24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
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.
12
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.
13
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.
14
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.
15
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.
16
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 Cyber Insurance Requirements Apply in Maine?

What Is Cyber Insurance?

What Should You Watch for With Cyber Insurance in Maine?

Maine’s 30 Days Run After Awareness and Scope

The Filing Goes to Your Regulator or the AG

Maine Adds a Seven-Business-Day Re-Start Rule

Insurance Licensees Have a Separate Three-Day Report

Which Cyber Insurance Providers Have Maine License Records?

At-Bay

Coalition

Corgi

Hiscox

TechInsurance

Vouch