(888) 900 0205Maine Business Insurance
Running a business in Maine isn’t just a job—it’s often a mix of grit, long days, and wearing five hats at once. Maybe you’re hauling traps at 4 a.m., fixing roofs in February, or shipping soaps from your kitchen table. However you do it, your business matters. And it needs protection that fits Maine—not generic policies written with city skyscrapers in mind.
The state’s small businesses crank out tens of billions a year and keep a lot of folks employed. But storms, slip hazards, lawsuits—they all show up when you’re least ready. That’s where the right insurance makes life easier. It won’t shovel your driveway, but it’ll help cover repairs, legal costs, and lost income when the unexpected shows up.
Who Needs It?
If you sell, fix, build, cook, advise, ship, or haul—you're a candidate. Even part-timers and side hustlers. If your business involves customers, property, or advice, it’s smart to be insured. And if you're not sure? That usually means it’s time to ask.
I once talked to a guy who ran a small engine repair shop out of his garage. Thought he didn’t need coverage—until a mower caught fire and melted half his workspace. One policy could’ve covered it. He learned the hard way.
What You’ll Probably Want
Start with general liability. That’s your core. It handles slips, trips, and those “please don’t sue me” moments. Property coverage is key if you’ve got gear, inventory, or a shop. Whether it's a broken window or a fried fridge from a lightning strike, it’s all part of staying in business.
If you’re giving advice, building websites, or handling sensitive stuff—professional liability’s for you. And if your tools live in your truck more than your shop, get tools & equipment coverage. It travels with you, whether you're in Portland or stuck on a back road near Millinocket.
Claims We See Often
- General Liability: Customer wipes out on icy steps walking into your retail spot. That ER bill? Covered.
- Property Insurance: Wind tears the roof off your bakery and ruins everything inside. We’ve seen it. Covered.
- Professional Liability: You’re a freelance web designer. A missed deadline costs your client sales. They want money back—this helps cover that mess.
Maine Business Insurance FAQ
Do I need this if I work from home?
Yep. If clients visit or you store products, even once, you’ve crossed into business territory your homeowners policy won’t touch.
Does this cover snow damage?
Standard property insurance includes snow, ice, and wind. Flooding or heavy coastal surge? That’s separate, but we’ll walk you through it.
What if I work alone and don’t have employees?
Doesn’t matter. Liability and property issues don’t care if you have staff or not. If you’re doing business, it’s still a risk.
How do I know what kind of coverage I need?
We’ll ask questions. Real ones. Like what kind of work you do, where you store your tools, and whether customers ever come by. Then we build from there.
Can I just bundle this stuff?
Yes. Most Maine small business owners go with a BOP—Business Owner’s Policy. It wraps key coverage into one, and it’s cheaper than piecing it out.