--- title: "Maine Umbrella and Excess Liability Guide" description: "Use MaineDOT’s consultant contract checklist to distinguish excess liability from professional liability and verify any public-project insurance waiver." canonical: "https://spot.insure/coverage/umbrella-excess/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/umbrella-excess/maine) # Maine Umbrella and Excess Liability Guide MaineDOT’s current consultant procurement instructions ask for $1 million per claim and aggregate professional liability, $1 million per occurrence/$2 million aggregate CGL naming MaineDOT as an additional insured, $1 million auto, workers’ compensation under Maine law, and excess/umbrella liability if applicable; the agency may consider a waiver request where the minimums cannot be met. For competitively bid public construction, Maine law bars public officials from requiring a bidder to obtain insurance from a particular insurer, agent, or broker. These rules do not eliminate project-specific limits: check the latest contract conditions and distinguish professional errors-and-omissions from a commercial umbrella.[^1][^2] **Coverage:** [Umbrella and excess liability](/coverage/umbrella-excess) · [Maine](/coverage/states/maine) ## What Is Umbrella And Excess Liability? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [Read the national Umbrella and excess liability guide](/coverage/umbrella-excess). ## Maine Requirements | Requirement | Details | | --- | --- | | MaineDOT consultant contract insurance | Before a MaineDOT consultant contract can be executed, the instructions call for $1m per claim and annual aggregate professional liability, $1m each-occurrence/$2m aggregate CGL naming MaineDOT as additional insured, $1m auto, statutory Maine workers’ compensation, and excess/umbrella if applicable. A consultant that cannot meet minimums submits a waiver request for approval. This is a consultant procurement requirement, not a mandate for all Maine businesses.[^1] | | Public construction carrier-selection rule | Maine 24-A M.R.S. §2180 bars state and local public officials from requiring bidders on competitively bid public-building/construction contracts, including publicly financed projects, to obtain insurance or bonds from a named insurer, agent, or broker. The statute limits procurement coercion; it does not set liability limits or prevent a contract from specifying coverage types and amounts.[^2] | ## What to Watch for in Maine ### MaineDOT’s professional-liability minimum is a separate line The consultant schedule names $1 million professional liability per claim and annual aggregate separately from $1 million/$2 million CGL and says excess/umbrella is if applicable. If you perform design, engineering, or other professional services, do not use the umbrella limit as proof of E&O coverage; verify whether a contract waiver is available and how claims-made continuity is handled.[^1] ### A waiver must be requested and approved MaineDOT says consultants who do not meet the minimum insurance requirements must submit certificates with an Insurance Waiver Request Form for agency approval. A quote or certificate that shows lower limits does not itself amend the solicitation. Submit the form before contract execution and retain the agency’s decision with the final contract schedule.[^1] ### Maine restricts which insurer a public buyer can dictate Section 2180 covers competitively bid public building/construction contracts and projects wholly or partly financed with public funds. It prohibits the public official from forcing procurement from a specific insurer, agent, or broker, but it does not excuse the bidder from meeting a contract’s coverage and limits. If a bid names a market or broker, distinguish that issue from the requested umbrella limits and seek procurement guidance.[^2] ### Public construction records track who insures each contractor’s employees Maine’s workers’ compensation statute requires the general contractor or construction manager on projects undertaken by the State, University of Maine System, or Maine Community College System to give the board a list of subcontractors and independent contractors and identify the entity that insures each for workers’ compensation. This is a workforce-insurance disclosure, not an umbrella requirement; check it separately when collecting subcontractor liability certificates.[^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 These providers publish a national listing for Umbrella and excess 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.[^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.[^15] - [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.[^16] ## Questions to Ask Before You Buy in Maine 1. Is this a MaineDOT consultant contract or a different project type, and what is the latest incorporated general-conditions version? 2. Does the scope require E&O, CGL, auto, and umbrella/excess as separate coverage lines, and which entities need additional-insured status? 3. If your firm cannot meet a listed limit, has MaineDOT approved the formal waiver before execution? 4. For a public construction bid, does the clause specify required coverage or improperly dictate a specific insurer, agent, or broker? 5. Has the state-project prime identified each subcontractor’s workers’ compensation insurer as required by Maine law? ## Umbrella And Excess Liability in Maine: FAQ ### Does MaineDOT require every consultant to carry an umbrella? Its current instructions list excess/umbrella liability as ‘if applicable’ and allow a waiver request when minimum requirements cannot be met. The actual contract and approved waiver determine what applies to that consultant engagement.[^1] ### Can a Maine public construction bid require a particular umbrella insurer? For competitively bid public-building/construction projects, including projects financed with public funds, §2180 prohibits officials from requiring insurance from a particular company, agent, or broker. It does not remove the project’s limits or coverage requirements.[^2] ## Umbrella And Excess Liability in Other States - [Alabama](/coverage/umbrella-excess/alabama) - [Alaska](/coverage/umbrella-excess/alaska) - [Arizona](/coverage/umbrella-excess/arizona) - [Arkansas](/coverage/umbrella-excess/arkansas) - [California](/coverage/umbrella-excess/california) - [Colorado](/coverage/umbrella-excess/colorado) - [Connecticut](/coverage/umbrella-excess/connecticut) - [Delaware](/coverage/umbrella-excess/delaware) - [District of Columbia](/coverage/umbrella-excess/district-of-columbia) - [Florida](/coverage/umbrella-excess/florida) - [Georgia](/coverage/umbrella-excess/georgia) - [Hawaii](/coverage/umbrella-excess/hawaii) - [Idaho](/coverage/umbrella-excess/idaho) - [Illinois](/coverage/umbrella-excess/illinois) - [Indiana](/coverage/umbrella-excess/indiana) - [Iowa](/coverage/umbrella-excess/iowa) - [Kansas](/coverage/umbrella-excess/kansas) - [Kentucky](/coverage/umbrella-excess/kentucky) - [Louisiana](/coverage/umbrella-excess/louisiana) - [Maryland](/coverage/umbrella-excess/maryland) - [Massachusetts](/coverage/umbrella-excess/massachusetts) - [Michigan](/coverage/umbrella-excess/michigan) - [Minnesota](/coverage/umbrella-excess/minnesota) - [Mississippi](/coverage/umbrella-excess/mississippi) - [Missouri](/coverage/umbrella-excess/missouri) - [Montana](/coverage/umbrella-excess/montana) - [Nebraska](/coverage/umbrella-excess/nebraska) - [Nevada](/coverage/umbrella-excess/nevada) - [New Hampshire](/coverage/umbrella-excess/new-hampshire) - [New Jersey](/coverage/umbrella-excess/new-jersey) - [New Mexico](/coverage/umbrella-excess/new-mexico) - [New York](/coverage/umbrella-excess/new-york) - [North Carolina](/coverage/umbrella-excess/north-carolina) - [Ohio](/coverage/umbrella-excess/ohio) - [Oklahoma](/coverage/umbrella-excess/oklahoma) - [Oregon](/coverage/umbrella-excess/oregon) - [Pennsylvania](/coverage/umbrella-excess/pennsylvania) - [Rhode Island](/coverage/umbrella-excess/rhode-island) - [South Carolina](/coverage/umbrella-excess/south-carolina) - [South Dakota](/coverage/umbrella-excess/south-dakota) - [Texas](/coverage/umbrella-excess/texas) - [Vermont](/coverage/umbrella-excess/vermont) - [Virginia](/coverage/umbrella-excess/virginia) - [Washington](/coverage/umbrella-excess/washington) - [West Virginia](/coverage/umbrella-excess/west-virginia) - [Wisconsin](/coverage/umbrella-excess/wisconsin) [Other Coverage in Maine](/coverage/states/maine) ## Sources [^1]: [MaineDOT Consultant Procurement Submittal Instructions](https://www1.maine.gov/dot/doing-business/consultant-procurement/submittal-instructions) — Maine Department of Transportation; Resulting Contract Requirements: professional liability, CGL, auto, WC, excess/umbrella ‘if applicable,’ and agency waiver process. Accessed 2026-09-28. [^2]: [24-A M.R.S. §2180, Unfair and coercive insurance requirements](https://www.legislature.maine.gov/legis/statutes/24-A/title24-Asec2180.html) — Maine Legislature, Office of the Revisor of Statutes; Subsections 1–2: competitively bid public building/construction contracts, public financing, and prohibition on requiring named insurer/agent/broker. Accessed 2026-09-28. [^3]: [39-A M.R.S. §105-A, Construction contractors](https://www.legislature.maine.gov/statutes/39-A/title39-Asec105-A.html) — Maine Legislature, Office of the Revisor of Statutes; Subsection 6(A)–(C): state/University/MCCS construction subcontractor and independent-contractor WC-insurer disclosure list. Accessed 2026-09-28. [^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 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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