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Kidnap and Ransom Insurance in Maine

Maine generally conditions surplus-lines placement on diligent effort, but current §2002-A lets a qualifying federal exempt commercial purchaser bypass that procedure after disclosure and a later written request. Separately, Maine requires every surplus-lines applicant to sign and date a distinct 16-point notice and receive a copy with the delivered policy. 1,5,4,2

What Is Kidnap And Ransom?

Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. Read the national Kidnap and ransom guide.

What to Watch for in Maine

  • Maine’s ECP Waiver Needs Two Steps

    Current §2002-A permits a federal exempt commercial purchaser to place surplus lines without §2004’s search procedure only after the producer discloses that admitted insurance may offer greater protection and regulatory oversight, then receives the purchaser’s later written request. Ask which named insured meets the federal definition and keep both documents with the K&R application. 5,4

  • Get the Separate Signed Notice

    Current §2009 requires a separate 16-point application notice, a signed and dated acknowledgment, five-year retention after policy expiration, and a copy attached to each delivered policy. The prescribed notice says surplus-lines insurers do not participate in guaranty funds; check the notice delivered with the K&R wording. 2

  • Maine Rules Apply When Maine Is the Home State

    Section 2001-A limits Maine’s surplus-lines chapter to transactions where Maine is the applicant’s or insured’s home state, subject to its stated exception. A Maine employee’s travel or incident location alone does not establish which state’s placement process governs. 3

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. 6,7,8

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. 9,10,11

Providers With Documented State Licenses

These providers publish a national listing for Kidnap and ransom; 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 the product is available in Maine. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 14

Questions to Ask Before You Buy in Maine

  1. Which named insured qualifies for Maine’s ECP route, and can we keep the admitted-market disclosure and subsequent written request in the file?
  2. Will you provide Maine’s separate 16-point notice for signature and attach a copy to the delivered policy?
  3. Is Maine the applicant’s or insured’s home state for this contract, or does another state govern placement?
  4. Which response expenses require insurer notice or approval, and how are ransom-payment conditions stated?

Kidnap And Ransom in Maine: FAQ

What notice must a Maine surplus-lines applicant receive? 2

The producer must provide a separate 16-point notice, obtain a signed and dated acknowledgment, retain it for five years after policy expiration, and attach a copy to the delivered policy. 2

Can a Maine exempt commercial purchaser skip the admitted-market search for K&R? 5,4

Yes, if the purchaser meets the federal exempt-commercial-purchaser definition and the producer discloses the admitted-market tradeoff before receiving the purchaser’s later written request. 5,4

Kidnap And Ransom in Other States

Other Coverage in Maine

Sources

  1. 24-A M.R.S. §2009, Identification and Notice on Contract and Application. Maine Legislature, Office of the Revisor of Statutes; Current text: application and policy notice, 16-point type, signature, retention period; PL 2025, ch. 348, §22. Accessed 2026-09-28.
  2. 24-A M.R.S. §2001-A, Scope. Maine Legislature, Office of the Revisor of Statutes; Current home-state limitation as amended by PL 2025, ch. 348, §11. Accessed 2026-09-28.
  3. 15 U.S.C. §§8202, 8205–8206, Nonadmitted Insurance. Office of the Law Revision Counsel, U.S. House of Representatives; Current preliminary U.S. Code: §§8202(a), (d) and (f) home-state scope; 8205 ECP search waiver; 8206(5)–(6) purchaser and home-state definitions. Accessed 2026-09-28.
  4. 24-A M.R.S. §2002-A, Exemptions from Provisions. Maine Legislature, Office of the Revisor of Statutes; Current text, subsection 3(E): ECP may place without §2004 procedure after disclosure and subsequent written request; PL 2025, ch. 348, §§12–13. Accessed 2026-09-28.
  5. Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
  6. Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  7. File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
  8. 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.
  9. 24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
  10. 24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28.
  11. 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. 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. 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. 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. 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. 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. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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