Coverage line

A mechanical paper-folding device produces a neat flock of birds, but one emerging bird casts an unexpectedly jagged shadow.Illustration for The General Average

What Generative AI Liability Insurance Requirements Apply in Maine?

Maine’s criminal code covers intentional or knowing dissemination of certain identifiable images, including images created or modified to appear to show a person nude or engaged in sexual activity, when the actor has the specified intent and there is no public or newsworthy purpose. Maine separately criminalizes privacy intrusions such as recording in a private place without consent.

What Is Generative AI Liability Insurance?

Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. Read the national Generative AI liability guide.

What to Watch for With Generative AI Liability in Maine

A fabricated or altered intimate image may be within the statute
Maine § 511-A expressly includes an image created or modified to appear to show the depicted person nude or engaged in a sexual act or contact. The offense also requires intentional or knowing dissemination with intent to harass, torment, or threaten, no public or newsworthy purpose, identifiability, and lack of consent. A takedown or labeling process should preserve the version, audience, consent record, and reason for distribution. ¹
The definition of image now includes generated and saved formats
A 2025 amendment defines image to include material made, captured, generated, or saved as a print, digital file, animation, livestream, or other electronically reproduced visual material. This broadens the formats named in the provision but does not remove the offense’s intent, purpose, identity, and consent elements. Tell the broker whether the product outputs still images, animation, or live streams. ¹
A separate privacy offense concerns how content is captured
Maine § 511 addresses specified intentional observation or recording in or from private places without consent. It is distinct from § 511-A’s distribution offense: a business that supplies image-generation tools may face different allegations depending on whether it collected private source material, generated a depiction, or distributed it. Keep those stages separate in incident records and coverage questions. ²

Which Generative AI Liability Providers Have Maine License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-300-5000

Surplus-Lines Tax and Stamping Office in Maine

Reported tax rate. 3% of gross direct premium when Maine is the insured's home state ^6,^7,⁸

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.

Questions to Ask Before You Buy Generative AI Liability in Maine

Can your system generate or alter an identifiable person’s image to depict nudity or sexual conduct, and who can publish the result?
What evidence shows consent, the intended purpose, audience, and any public-interest context for disputed content?
Does the quote cover claims tied to content generation and distribution separately from privacy or unlawful recording allegations?

Generative AI Liability Insurance in Maine: Frequently Asked Questions

Does Maine § 511-A ban all AI-generated imagery?

No. It applies to specified intimate depictions and requires intentional or knowing dissemination, intent to harass, torment, or threaten, identifiability, lack of consent, and absence of a public or newsworthy purpose. ¹

Are private-image distribution and unlawful recording the same offense in Maine?

No. Section 511-A concerns dissemination of certain private images. Section 511 separately addresses specified intentional observation or recording in or from private places without consent. ^1,²

Sources

15 documents, numbered as cited. Open the sources

Sources for Generative AI Liability Insurance in Maine

1
Maine Revised Statutes, Title 17-A § 511-A: Unauthorized Dissemination of Certain Private Images. Maine Legislature; 17-A M.R.S. § 511-A(1), (3), and (4), as amended by P.L. 2025, ch. 400, §§ 2–3. Accessed 2026-09-29.
2
Maine Revised Statutes, Title 17-A § 511: Violation of Privacy. Maine Legislature; 17-A M.R.S. § 511(1): specified observation or recording in or from private places. Accessed 2026-09-29.
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.

What Generative AI Liability Insurance Requirements Apply in Maine?

What Is Generative AI Liability Insurance?

What to Watch for With Generative AI Liability in Maine

A fabricated or altered intimate image may be within the statute

The definition of image now includes generated and saved formats

A separate privacy offense concerns how content is captured