---
title: "Business Insurance in Maine"
description: "37 state-specific insurance coverage guides, plus Maine Bureau of Insurance contact and license lookup resources for Maine."
canonical: "https://spot.insure/coverage/states/maine"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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# Business Insurance in Maine

## Insurance Regulator

**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.[^1][^2][^3]

- [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.[^4][^5][^6]

## Coverage Guides

- [General Liability Insurance in Maine](/coverage/general-liability/maine): 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.
- [Directors and Officers (D&O) Insurance in Maine](/coverage/directors-officers/maine): Check whether Maine’s articles-based liability limit applies to your corporation and when courts may order indemnity.
- [Technology E&O Insurance in Maine](/coverage/technology-errors-omissions/maine): Review Maine software-vendor procurement expectations and insurer third-party service duties that take effect in 2027.
- [Cyber Liability Insurance in Maine](/coverage/cyber/maine): Maine’s 30-day clock starts only after the business becomes aware of the breach and identifies its scope; required state-regulator notice depends on who regulates you.
- [Media liability in Maine](/coverage/media/maine): Maine’s public-expression procedure changed on January 1, 2025, and a 2025 amendment added a specific category of personal communications.
- [Maine employment practices: one-employee reach plus notice and training duties](/coverage/employment-practices/maine): Maine’s Human Rights Act reaches employers of any size, while separate state law requires individual annual notices and sets a 15-worker training threshold.
- [Fiduciary Liability Insurance in Maine](/coverage/fiduciary/maine): Review Maine retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [Maine Hired and Non-Owned Auto Coverage](/coverage/hired-non-owned-auto/maine): Maine imposes joint liability on commercial rental owners and renters for negligent operation, with important statutory limits.
- [Professional Liability (E&O) Insurance in Maine](/coverage/professional-errors-omissions/maine): See Maine's exchange-facilitator E&O requirement, the $100,000 alternatives, and separate safeguards for client exchange funds.
- [Workers’ Compensation Insurance in Maine](/coverage/workers-compensation/maine): Maine covers nearly all employers, with limited agricultural exceptions that require substitute liability and medical coverage.
- [Maine BOP: Compare Snow, Valuation and Mobile Property](/coverage/business-owners-policy/maine): Maine’s commercial-property guidance makes policy form and valuation especially useful quote comparisons for snow, equipment and business interruption.
- [Maine Umbrella and Excess Liability Guide](/coverage/umbrella-excess/maine): Use MaineDOT’s consultant contract checklist to distinguish excess liability from professional liability and verify any public-project insurance waiver.
- [Maine Medical Malpractice Insurance Guide](/coverage/medical-malpractice/maine): Ask Maine quotes to separate the Rural Medical Access Program assessment from premium and plan for possible periodic future-damage payments.
- [Representations and Warranties Insurance in Maine](/coverage/representations-warranties/maine): Check Maine contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Maine](/coverage/kidnap-ransom/maine): Maine requires a signed applicant notice and limits its search waiver to qualifying commercial purchasers who follow the written steps.
- [Maine Crime Insurance Guide](/coverage/crime/maine): Build Maine’s check-fraud review routine around the bank’s statement rules, and compare it separately with employee-theft and social-engineering coverage.
- [Commercial Auto Insurance in Maine](/coverage/commercial-auto/maine): Maine now sets a $750,000 combined-single-limit minimum for intrastate commercial motor vehicles under a 2025 amendment to 29-A M.R.S. §1611. Other special
- [Cargo Insurance in Maine](/coverage/cargo-transit/maine): Separate Maine’s motor-carrier operating-liability minimums from goods protection and review when a carrier may use a bill-of-lading value cap.
- [Liquor liability insurance in Maine](/coverage/liquor-liability/maine): Maine’s liability test and a special event-area insurance condition deserve separate review.
- [Key Person Insurance in Maine](/coverage/key-person/maine): Learn how Maine insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Product liability in Maine](/coverage/product-liability/maine): Maine product-liability guide to strict-liability scope, product changes and the general six-year period.
- [Commercial Property Insurance in Maine](/coverage/commercial-property/maine): Maine’s Emergency Management Agency says standard business property policies do not cover flood, and identifies storm surge, high tides and storm-driven waves along the state’s 3,500-mile coastline.
- [Garage Liability Insurance in Maine](/coverage/garage-liability/maine): Maine requires garage liability before dealer licensing and treats the dealer-plate insurance filing as a separate, later application step.
- [Inland Marine Insurance in Maine](/coverage/inland-marine/maine): Maine’s insurance bureau separates farm equipment used off premises from a company’s transported products; the state controller also points mobile equipment buyers to inland marine, auto or vessel insurance.
- [Maine Public Works Performance and Payment Bonds](/coverage/surety-bonds/maine): Maine bidders should confirm whether a public project falls under the statewide public-improvement procurement threshold or another public owner’s work.
- [Builders Risk in Maine](/coverage/builders-risk/maine): In Maine, match the parcel's effective flood map to local permit forms, elevation documents and any shoreline repair or replacement review.
- [Maine Equipment Breakdown Insurance Guide](/coverage/equipment-breakdown/maine): Maine gives boiler and pressure-vessel certificates different maximum terms and requires certificates at the equipment’s operating location; schedule inspections apart from insurance.
- [Maine Management Liability Insurance](/coverage/management-liability/maine): Compare Maine employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in Maine](/coverage/product-recall/maine): See the Maine §2503 text extracted January 5, 2026; later 2026 changes to its eating-establishment scope are not verified here.
- [Maine Fidelity Bonds for Insurance Administrators](/coverage/fidelity-bonds/maine): Maine requires certain licensed administrators handling benefit-plan funds to maintain a fidelity bond sized to contributions or claims, and separately allows a surety bond at the superintendent’s discretion.
- [Intellectual Property Insurance in Maine](/coverage/intellectual-property/maine): Compare Maine rules that affect trade-secret controls, employee inventions, and public disclosures when you evaluate IP insurance.
- [Maine’s placement can affect the insolvency backstop](/coverage/contract-frustration/maine): Maine excludes surplus-lines and financial-guaranty policies from its property and casualty guaranty association and requires a separate surplus-lines notice.
- [Venture Capital Asset Protection Insurance in Maine](/coverage/venture-capital-asset-protection/maine): Check how Maine adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Maine unhosted-wallet controls for digital-asset businesses](/coverage/digital-assets/maine): Maine’s money-transmission law and regulator ruling require covered licensees to verify more than a sender’s assertion for qualifying unhosted-wallet transfers.
- [Telehealth Insurance in Maine](/coverage/virtual-care-telehealth/maine): Check whether an out-of-state Maine telehealth clinician provides consult-only services under registration or direct care under a separate professional rule.
- [Employee Health Benefits in Maine](/coverage/employee-health-benefits/maine): Maine pools individual and small-group plan markets and protects continuity for workers when employers replace group coverage.
- [Maine trucking insurance: check the 2026 intrastate vehicle class](/coverage/trucking/maine): Maine changed its intrastate commercial-motor-vehicle liability requirement for policies on or after January 1, 2026. The vehicle definition and service class determine which statutory paragraph to check.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [Maine Bureau of Insurance](https://www.maine.gov/pfr/insurance/home) — Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
[^2]: [Insurance License Lookup](https://www1.maine.gov/pfr/insurance/node/3) — Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
[^3]: [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.
[^4]: [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.
[^5]: [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.
[^6]: [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.
[^7]: [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.
[^8]: [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.
[^9]: [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.
[^10]: [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.
[^11]: [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.
[^12]: [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.
[^13]: [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.

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