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Technology E&O Insurance in Maine

Maine’s insurance data-security statute requires a covered insurance licensee to require appropriate safeguards from third-party service providers and, by January 1, 2027, qualifying cybersecurity-event notice. In a 2025 state software RFP, evaluators asked whether a security-screening product could connect to the state network and found an insurance document insufficient when it did not identify policy types or coverage. 1,2

What Is Technology Errors And Omissions (E&O)?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. Read the national Technology errors and omissions (E&O) guide.

What to Watch for in Maine

  • Ask Insurer Customers About Vendor Safeguards

    Maine §2264 applies to insurance licensees and requires due diligence and appropriate safeguards for third-party service providers that can access or hold their systems or nonpublic information. If you serve a Maine-regulated insurer, map your application, storage and support access to the customer’s security controls and the policy schedule separately. 1

  • Add the January 1, 2027 Incident-Notice Date

    By January 1, 2027, Maine insurance licensees must require third-party providers to notify them of specified cybersecurity events affecting the licensee’s nonpublic information when the event could materially harm a consumer or normal operations. Agree on an incident contact, trigger and timeline now; this is a contractual notice duty, not proof of insurance coverage. 1

  • Test Network Scope and Show the Actual Coverage

    In Maine’s 2025 security-screening software evaluation, reviewers asked whether a standalone product could later connect to state systems, and marked the bidder’s insurance evidence insufficient because it did not identify policy type or coverage. If your product may connect later, clarify future network requirements and provide the customer with policy evidence rather than a generic insurance letter. 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

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 Technology errors and omissions (E&O); 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.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-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. 9
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’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. 10
  • 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. 11
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’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. Will our system connect to Maine customer networks now or later, and what acceptance tests define that work?
  2. For a Maine insurer customer, which systems and nonpublic information can we access, and what event-notice trigger must our contract meet by January 1, 2027?
  3. Does the certificate or policy evidence identify actual E&O and cyber forms, limits and covered technology services?

Technology Errors And Omissions (E&O) in Maine: FAQ

When do Maine insurer customers need third-party cyber-event notice terms? 1

No later than January 1, 2027, for qualifying cybersecurity events affecting nonpublic information obtained from the licensee when the event has a reasonable likelihood of materially harming a consumer or a material part of the licensee’s normal operations. Maine §2264 applies to insurance licensees and their provider arrangements. 1

What insurance evidence did Maine’s 2025 software evaluation ask a bidder to provide? 2

The RFP asked for a certificate showing general liability, professional liability and other policies relevant to the proposed services; evaluators found a document inadequate when policy type and coverage were not identified. That was one procurement evaluation, not a statewide insurance mandate. 2

Technology Errors And Omissions (E&O) in Other States

Other Coverage in Maine

Sources

  1. 24-A M.R.S. §2264, Information Security Program. Maine Legislature, Office of the Revisor of Statutes; §2264(6)(A)–(C); 2025 amendment, provider-notice deadline no later than January 1, 2027; page data extracted October 20, 2025. Accessed 2026-09-28.
  2. RFP 202507098 Security Screening Equipment and Software, Selection Package. Maine Department of Administrative and Financial Services; Planning, Design & Construction / MaineIT; pp. 17–20, evaluator notes dated August 20–25, 2025; insurance evidence and future network-connectivity review. Accessed 2026-09-28.
  3. Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
  4. Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  5. File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
  6. 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.
  7. 24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
  8. 24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28.
  9. 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. 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. 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. 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. 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. 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. 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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