About Us

Mission Statement:

The Maine Bureau of Insurance regulates the insurance industry to protect and to serve the public.

What we do

  • License insurance producers and companies.
  • Perform examinations and conduct audits.
  • Review rates and coverage forms.
  • Investigate complaints.
  • Educate consumers about their rights and responsibilities under our laws.
  • Sponsor programs that enhance awareness of and compliance with State laws.


About the Superintendent

How to Contact Us

Contact us

Work Units

Click on the hyperlink for a specific work unit to go to the staff directory for that unit.

  • Administrative Services
    The Administrative Services Work Unit, including the Support Unit, provides administrative support for all agency functions.
  • Consumer Health Care
    The Consumer Health Care Division responds to inquiries and provides information to Maine citizens regarding coverage options, assists consumers with understanding their rights and responsibilities under health care plans, assists consumers with complaints, and reviews insurer form filings for all lines of health, life, disability, long-term care, Medicare supplement and annuity products..
  • Life and Health Actuarial Unit
    The Life and Health Actuarial Unit reviews rate filings made by licensed insurance companies and health maintenance organizations (HMOs) and compiles statistics on mandated health insurance benefits.
  • Property Casualty
    The Property/Casualty Work Division of the Bureau performs three separate functions: review of insurer rate, rule and form filings, resolution of consumer complaints and administration of cancellation/nonrenewal hearings. This includes review of workers compensation rate, rule and forms and resolution of complaints not involving claims.  Workers compensation claim complaints are under the jurisdiction of the Workers’ Compensation Board.
  • Licensing
    The Licensing Division is responsible for processing and maintaining permanent license records on producers and business entities (agencies), including issuing and terminating licenses. Additional responsibilities include overseeing the licensing examination process, and supervising the continuing education program.
  • Market Conduct
    The Market Conduct Work Unit is responsible for monitoring compliance with Maine laws.
  • Financial Examination
    The Financial Examination Work Unit examines domestic insurers not less than once every five years to insure soundness of the insurance company's financial position.
  • Financial Analysis
    The Financial Analysis Work Unit handles the licensing and monitoring of Foreign Insurance Companies, MGA's, TPA's, Risk Retention Groups, Reinsurance Intermediaries, Surplus Lines Entities and Reinsurance Companies. This unit is also responsible for the on-going financial review of domestic companies; and processes name changes, mergers, acquisitions, amendments to authority and redomestications of the above entities.
  • Alternative Risk Markets
    The Alternative Risk Markets Work Unit reviews and evaluates applications for Workers’ Compensation Self-Insurance Authority, Captive entities, and Multiple Employer Welfare Arrangements. This unit applies the rules and regulations governing these entities in a fair, consistent, and timely manner to assure that Maine businesses who utilize alternative risk mechanisms do so in an effective and responsible manner.
  • Research and Statistics
    The Research and Statistics Work Unit is responsible for collecting and editing information from regulated entities. Information is provided to other divisions and publications and reports are prepared for the legislature, other agencies, and the Bureau's website. The division creates and maintains databases used in data collection and maintains the website.

U.S. Regulatory System

The state of Maine is part of the U.S. insurance regulatory framework which is a highly coordinated state-based national system designed to protect policyholders and to serve the greater public interest through the effective regulation of the U.S. insurance marketplace.  Through the National Association of Insurance Commissioners (NAIC), U.S. insurance regulators establish national standards and best practices, conduct peer reviews and coordinate their regulatory oversight to better protect the interests of consumers while ensuring a strong, viable insurance marketplace.  U.S. insurance regulators also participate in the International Association of Insurance Supervisors (IAIS) along with the NAIC by participating in major standard setting initiatives, including working with fellow regulators from around the world to better supervise cross-border insurers, identifying systemic risk in the insurance sector, and creating international best practices.