--- title: "General Liability Insurance in Maine" description: "Maine bars recovery at equal claimant fault and can hold each defendant jointly and severally liable for the full damages in a multi-party case." canonical: "https://spot.insure/coverage/general-liability/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/general-liability/maine) # General Liability Insurance in Maine Maine’s comparative-negligence statute bars recovery when claimant fault is equal to the defendant’s fault and reduces damages when claimant fault is lower. In multi-party cases, each defendant may be jointly and severally liable for the full damages; Maine’s general six-year period applies only when no more specific limitation controls.[^1][^2] **Coverage:** [General liability](/coverage/general-liability) · [Maine](/coverage/states/maine) ## What Is General Liability? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [Read the national General liability guide](/coverage/general-liability). ## What to Watch for in Maine ### An Equal Fault Share Bars Recovery Under 14 M.R.S. §156, claimant fault reduces damages, but equal claimant and defendant fault bars recovery. Ask how evidence of the claimant’s conduct will be developed, since the threshold can determine whether any damages are recoverable.[^1] ### Each Defendant Can Face the Full Award In multiparty cases §156 makes each defendant jointly and severally liable for the full damages, while allowing fault-share findings. Ask whether the insured could face collection exposure beyond its percentage if another defendant cannot pay; the statute does not expand the policy limit or coverage.[^1] ### Six Years Is a Default, Not a Universal Deadline Section 752 gives six years after accrual except for judgments and actions otherwise specially provided. Ask counsel whether a more specific limitation applies to the pleaded claim and when accrual began; report incidents under the policy’s own terms.[^2] ## 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] - [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.[^6][^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for General liability; 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. - [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.[^11] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^13] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** 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.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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] - [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.[^15] ## Questions to Ask Before You Buy in Maine 1. If another defendant cannot pay, could Maine’s joint-and-several rule expose us to more than our assigned share? 2. Does §156’s equal-fault bar apply to the actual claim and claimant? 3. Is §752 the applicable filing period, or does another statute provide a shorter or different period? ## General Liability in Maine: FAQ ### Can someone recover in Maine if they were as negligent as the defendant? No. Maine bars recovery when claimant fault is equal to the defendant’s fault; if claimant fault is lower, damages are reduced under 14 M.R.S. §156.[^1] ### Can one Maine defendant be liable for another defendant’s share? In a multi-party case, §156 makes each defendant jointly and severally liable for the full damages. Ask counsel how that rule applies to the specific claim and parties.[^1] ### What is Maine’s general deadline for a civil claim? Generally six years after accrual under 14 M.R.S. §752, unless another provision gives a specific period.[^2] ## General Liability in Other States - [Alabama](/coverage/general-liability/alabama) - [Alaska](/coverage/general-liability/alaska) - [Arizona](/coverage/general-liability/arizona) - [Arkansas](/coverage/general-liability/arkansas) - [California](/coverage/general-liability/california) - [Colorado](/coverage/general-liability/colorado) - [Connecticut](/coverage/general-liability/connecticut) - [Delaware](/coverage/general-liability/delaware) - [District of Columbia](/coverage/general-liability/district-of-columbia) - [Florida](/coverage/general-liability/florida) - [Georgia](/coverage/general-liability/georgia) - [Hawaii](/coverage/general-liability/hawaii) - [Idaho](/coverage/general-liability/idaho) - [Illinois](/coverage/general-liability/illinois) - [Indiana](/coverage/general-liability/indiana) - [Iowa](/coverage/general-liability/iowa) - [Kansas](/coverage/general-liability/kansas) - [Kentucky](/coverage/general-liability/kentucky) - [Louisiana](/coverage/general-liability/louisiana) - [Maryland](/coverage/general-liability/maryland) - [Massachusetts](/coverage/general-liability/massachusetts) - [Michigan](/coverage/general-liability/michigan) - [Minnesota](/coverage/general-liability/minnesota) - [Mississippi](/coverage/general-liability/mississippi) - [Missouri](/coverage/general-liability/missouri) - [Montana](/coverage/general-liability/montana) - [Nebraska](/coverage/general-liability/nebraska) - [Nevada](/coverage/general-liability/nevada) - [New Hampshire](/coverage/general-liability/new-hampshire) - [New Jersey](/coverage/general-liability/new-jersey) - [New Mexico](/coverage/general-liability/new-mexico) - [New York](/coverage/general-liability/new-york) - [North Carolina](/coverage/general-liability/north-carolina) - [North Dakota](/coverage/general-liability/north-dakota) - [Ohio](/coverage/general-liability/ohio) - [Oklahoma](/coverage/general-liability/oklahoma) - [Oregon](/coverage/general-liability/oregon) - [Pennsylvania](/coverage/general-liability/pennsylvania) - [Rhode Island](/coverage/general-liability/rhode-island) - [South Carolina](/coverage/general-liability/south-carolina) - [South Dakota](/coverage/general-liability/south-dakota) - [Tennessee](/coverage/general-liability/tennessee) - [Texas](/coverage/general-liability/texas) - [Utah](/coverage/general-liability/utah) - [Vermont](/coverage/general-liability/vermont) - [Virginia](/coverage/general-liability/virginia) - [Washington](/coverage/general-liability/washington) - [West Virginia](/coverage/general-liability/west-virginia) - [Wisconsin](/coverage/general-liability/wisconsin) - [Wyoming](/coverage/general-liability/wyoming) [Other Coverage in Maine](/coverage/states/maine) ## Sources [^1]: [14 M.R.S. §156, Comparative negligence](https://legislature.maine.gov/statutes/14/title14sec156.html) — Maine Legislature; Current text: equal-fault bar, reduction, joint and several liability in multiparty cases; history identifies 1999 amendment. Accessed 2026-09-28. [^2]: [14 M.R.S. §752, Limitation](https://www.legislature.maine.gov/statutes/14/title14sec752.html) — Maine Legislature; Current text: six years after accrual except judgments and actions specially provided; source page extracted 2025-10-20. Accessed 2026-09-28. [^3]: [Maine Bureau of Insurance](https://www.maine.gov/pfr/insurance/home) — Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28. [^4]: [Insurance License Lookup](https://www1.maine.gov/pfr/insurance/node/3) — Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/general-liability/maine.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)