--- title: "Last-mile delivery insurance in Maine" description: "Maine's Bureau of Insurance says most personal auto policies exclude pizza, grocery, and other deliveries, separate from the passenger-network limits." canonical: "https://spot.insure/coverage/last-mile-delivery/maine" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/last-mile-delivery/maine) # Last-mile delivery insurance in Maine The Bureau of Insurance tells drivers to review a personal auto policy before giving rides through a transportation network company or making deliveries for hire, and it specifically names pizza, grocery, and other deliveries as uses to check. Most personal policies, the Bureau says, exclude business use. Separately, 24-A M.R.S. § 7303 sets $50,000 per person, $100,000 per incident, and $25,000 property damage while logged on and not on a prearranged ride, and $1 million on a prearranged ride. Section 7302 defines that ride around passengers.[^3][^1] **Coverage:** [Last-mile delivery](/coverage/last-mile-delivery) · [Maine](/coverage/states/maine) ## What Is Last-Mile Delivery? Last-mile delivery insurance is not one standard policy: vehicle liability, vehicle damage and cargo protection can be separate. If your staff deliver orders in company, rented or personal vehicles, check each vehicle, cargo and worker-injury exposure in the quote. [Read the national Last-mile delivery guide](/coverage/last-mile-delivery). ## Maine Requirements | Requirement | Details | | --- | --- | | Logged on, not on a prearranged ride | $50,000 / $100,000 / $25,000[^1] | | Prearranged passenger ride | $1 million[^1] | ## What to Watch for in Maine ### The Bureau Names Pizza and Grocery Delivery The Bureau of Insurance page on business use of a personal auto says that if you use the vehicle to make pizza, grocery, or other deliveries, you should review the policy first. That warning is not limited to passenger rides. A personal policy can exclude the delivery even when no transportation-network statute applies to the package.[^3] ### The $1 Million Figure Is the Passenger Ride Section 7303 moves from $50,000/$100,000/$25,000 to $1 million when the driver is engaged in a prearranged ride. Section 7302 defines that ride around passengers and riders. A grocery drop the Bureau already told you to review is not automatically the $1 million passenger period.[^1][^2] ### Business Use Is the Personal-Policy Problem The Bureau says most personal automobile policies exclude business use, including renting the vehicle out, giving TNC rides, and making deliveries for hire. Ask for the endorsement that gives the use back, or for a commercial policy, before the driver logs into a delivery app.[^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.[^4][^5][^6] - [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.[^7][^8][^9] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://www1.maine.gov/pfr/insurance/node/3) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Maine 1. Does the personal policy exclude pizza, grocery, or other deliveries the way the Bureau of Insurance warns? 2. If the driver also takes passenger trips, which limit applies under § 7303 while logged on but not on a ride? 3. Is the $1 million quote a prearranged passenger ride, or are you using it for a goods delivery § 7302 does not define? ## Last-Mile Delivery in Maine: FAQ ### Does Maine's insurance bureau say a personal auto policy may not cover grocery delivery? Yes. The Bureau of Insurance says most personal policies exclude business use and tells you to review coverage before making pizza, grocery, or other deliveries for hire.[^3] ### What limit does Maine require during a prearranged transportation-network ride? $1 million. Title 24-A, section 7303 sets that primary limit while the driver is engaged in a prearranged ride.[^1] ## Last-Mile Delivery in Other States - [Alabama](/coverage/last-mile-delivery/alabama) - [Alaska](/coverage/last-mile-delivery/alaska) - [Arizona](/coverage/last-mile-delivery/arizona) - [Arkansas](/coverage/last-mile-delivery/arkansas) - [California](/coverage/last-mile-delivery/california) - [Colorado](/coverage/last-mile-delivery/colorado) - [Connecticut](/coverage/last-mile-delivery/connecticut) - [Delaware](/coverage/last-mile-delivery/delaware) - [District of Columbia](/coverage/last-mile-delivery/district-of-columbia) - [Florida](/coverage/last-mile-delivery/florida) - [Georgia](/coverage/last-mile-delivery/georgia) - [Hawaii](/coverage/last-mile-delivery/hawaii) - [Idaho](/coverage/last-mile-delivery/idaho) - [Illinois](/coverage/last-mile-delivery/illinois) - [Indiana](/coverage/last-mile-delivery/indiana) - [Iowa](/coverage/last-mile-delivery/iowa) - [Kansas](/coverage/last-mile-delivery/kansas) - [Kentucky](/coverage/last-mile-delivery/kentucky) - [Louisiana](/coverage/last-mile-delivery/louisiana) - [Maryland](/coverage/last-mile-delivery/maryland) - [Massachusetts](/coverage/last-mile-delivery/massachusetts) - [Michigan](/coverage/last-mile-delivery/michigan) - [Minnesota](/coverage/last-mile-delivery/minnesota) - [Mississippi](/coverage/last-mile-delivery/mississippi) - [Missouri](/coverage/last-mile-delivery/missouri) - [Montana](/coverage/last-mile-delivery/montana) - [Nebraska](/coverage/last-mile-delivery/nebraska) - [Nevada](/coverage/last-mile-delivery/nevada) - [New Hampshire](/coverage/last-mile-delivery/new-hampshire) - [New Jersey](/coverage/last-mile-delivery/new-jersey) - [New Mexico](/coverage/last-mile-delivery/new-mexico) - [New York](/coverage/last-mile-delivery/new-york) - [North Carolina](/coverage/last-mile-delivery/north-carolina) - [North Dakota](/coverage/last-mile-delivery/north-dakota) - [Ohio](/coverage/last-mile-delivery/ohio) - [Oklahoma](/coverage/last-mile-delivery/oklahoma) - [Oregon](/coverage/last-mile-delivery/oregon) - [Pennsylvania](/coverage/last-mile-delivery/pennsylvania) - [Rhode Island](/coverage/last-mile-delivery/rhode-island) - [South Carolina](/coverage/last-mile-delivery/south-carolina) - [South Dakota](/coverage/last-mile-delivery/south-dakota) - [Tennessee](/coverage/last-mile-delivery/tennessee) - [Texas](/coverage/last-mile-delivery/texas) - [Utah](/coverage/last-mile-delivery/utah) - [Vermont](/coverage/last-mile-delivery/vermont) - [Virginia](/coverage/last-mile-delivery/virginia) - [Washington](/coverage/last-mile-delivery/washington) - [West Virginia](/coverage/last-mile-delivery/west-virginia) - [Wisconsin](/coverage/last-mile-delivery/wisconsin) - [Wyoming](/coverage/last-mile-delivery/wyoming) [Other Coverage in Maine](/coverage/states/maine) ## Sources [^1]: [24-A M.R.S. § 7303 Financial responsibility](https://legislature.maine.gov/statutes/24-A/title24-Asec7303.html) — Maine Legislature, Office of the Revisor of Statutes; § 7303(2) and (3); PL 2015, c. 279, §1. Accessed 2026-09-29. [^2]: [24-A M.R.S. § 7302 Definitions](https://legislature.maine.gov/statutes/24-A/title24-Asec7302.html) — Maine Legislature, Office of the Revisor of Statutes; § 7302(3), (5), and (6). Accessed 2026-09-29. [^3]: [Business Use of Personal Auto](https://www.maine.gov/pfr/insurance/consumers/commercial-property-and-liability/business-use-of-personal-auto) — Maine Bureau of Insurance; Opening paragraph and Using Your Car For Business Deliveries. Accessed 2026-09-29. [^4]: [Maine Bureau of Insurance](https://www.maine.gov/pfr/insurance/home) — Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28. [^5]: [Insurance License Lookup](https://www1.maine.gov/pfr/insurance/node/3) — Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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 2026-09-29. 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/last-mile-delivery/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)