Coverage line

A strapped precision instrument in an open wheeled equipment case rolls between two spare construction-site silhouettes.Illustration for The General Average

What Inland Marine Insurance Requirements Apply in Maine?

Maine’s Bureau of Insurance farm guide draws a practical line: cargo and transportation insurance addresses products your company transports, while inland marine addresses farm equipment used off premises. Maine’s State Controller gives a separate public-employee example, saying mobile business equipment may be covered by inland marine, auto or vessel insurance. Use those source-specific distinctions to sort a quote request: a tractor attachment taken to another farm, a shipment of produce, a vehicle, and a state employee’s mobile device are different property and movement questions. Confirm the intended policy and terms for each item rather than treating the line name as a coverage grant.

What Is Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. Read the national Tools, equipment and inland marine guide.

What Should You Watch for With Inland Marine Insurance in Maine?

Separate off-premises equipment from the crop shipment
Maine’s Bureau of Insurance farm guide assigns inland marine to farm equipment used off premises and cargo/transportation insurance to products transported by the company. A farm moving its own tools and selling or shipping its products may need both exposures reviewed; list ownership and each trip separately. ¹
Classify the mobile item before choosing a line
The State Controller’s employee FAQ says inland marine, auto or vessel insurance may cover mobile business equipment. That answer is addressed to state employees and does not determine what a private policy covers. For each item, ask whether it is a vehicle, equipment carried inside a vehicle or property shipped by a carrier. ²
List the places the equipment visits
The farm guide’s off-premises phrase makes location important: tell the insurer whether a machine stays at your farm, moves among fields, visits a repair shop or works at another owner’s site. Ask about transit, temporary storage, attachments and equipment borrowed from others in the actual schedule. ^1,²

Which Inland Marine Insurance Providers Have Maine License Records?

These providers publish a national listing for Tools, equipment and inland marine; 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.

TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁴
TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

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.

What Should You Ask Before Buying Inland Marine Insurance in Maine?

Is each item farm equipment used away from the farm, a product being shipped, a vehicle or a mobile device?
Who owns the equipment or goods during each trip, repair visit and temporary storage period?
Does the policy cover attachments, hired or borrowed machinery, theft away from premises and return transit?
Which schedule, cause-of-loss terms, deductibles and per-item or one-loss limits apply?

Inland Marine Insurance in Maine: Frequently Asked Questions

Does Maine’s farm guide treat cargo insurance and inland marine as interchangeable?

No. It distinguishes transported products from farm equipment used off premises. Ask for terms that match each exposure and the locations or transit periods involved. ¹

Does Maine’s State Controller FAQ prove that a private company’s mobile equipment is covered?

No. The FAQ is written for state-employee questions and says several types of insurance may cover mobile equipment. A private business must confirm the named property and terms in its own policy. ²

Sources

15 documents, numbered as cited. Open the sources

Sources for Inland Marine Insurance in Maine

1
Insuring Your Farm. Maine Bureau of Insurance; Consumer guide, PDF p. 6; Cargo and Transportation versus Inland Marine sections for farm products and off-premises equipment. Accessed 2026-09-28.
2
Frequently Asked Questions: Risk Management. Maine Office of the State Controller; Question 18, 'How do I insure mobile business equipment?'; FAQ is scoped to state-employee risk-management information. 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.

What Inland Marine Insurance Requirements Apply in Maine?

What Is Inland Marine Insurance?

What Should You Watch for With Inland Marine Insurance in Maine?

Separate off-premises equipment from the crop shipment

Classify the mobile item before choosing a line

List the places the equipment visits