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. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles in Maine must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Maine's commercial auto insurance requirements are:
In Maine, insurance agents, agencies, 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). Verify our licensure with the Maine Bureau of Insurance License Information Search.