This policy is important for all Maine businesses. It covers common risks, including customer injuries. Most commercial leases require this business liability insurance.
This policy, also called errors and omissions insurance (E&O), protects professionals whose work depends on their expertise. It helps pay legal defense costs related to the quality of your work.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Maine businesses that handle credit card numbers and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Maine business.
Maine state law requires every business that has employees to provide workers’ compensation insurance. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Maine. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Maine, from Portland to Augusta.
Maine state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. Independent contractors do not count as employees, but if those contractors employ subcontractors, the subcontractors must be covered by a workers’ comp policy.
Workers' comp insurance covers medical costs for work-related injuries and illnesses. It also provides disability benefits to injured Maine workers.
All business-owned vehicles in Maine must be covered by commercial auto insurance. This policy covers the cost of accidents in work vehicles.
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill Maine's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Maine, insurance agencies, agents, and brokers are licensed by the Maine Bureau of Insurance. Insureon is licensed in Maine as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number AGN179429). To verify our licensure with Maine's License Information Search, select "prof. and financial regulation" for department, "insurance" under agency, and then our license number, AGN179429.