Mainecontractor insurance & bonding requirements
Updated April 2026 · Source: ME OPOR — Home Construction Contracts Act §1487
Minimum requirements
- General liability
- $300,000
- Workers' comp
- Required for crews
Licensed general contractors in Mainecarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
ME has no state GC license. Home construction contract law requires insurance certificate but no bond.
Common questions
What insurance does a Maine general contractor need?
A Maine general contractor needs at minimum $300,000 general liability coverage. Workers' compensation insurance is required for crews. Per ME OPOR — Home Construction Contracts Act §1487.
How much is the surety bond for Maine contractors?
Maine does not require a state-level surety bond for general contractors. ME has no state GC license. Home construction contract law requires insurance certificate but no bond.
Who is the licensing authority in Maine?
ME OPOR — Home Construction Contracts Act §1487 is the authority for Maine contractor oversight. Public license lookup is available at https://www.maine.gov/pfr/professionallicensing/.
How does AskBaily verify contractors in Maine?
ME OPOR — Home Construction Contracts Act §1487 does not expose machine-readable lookup. AskBaily ops manually verifies Maine applicants within 72 hours of signup using the public portal.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Maine can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under ME OPOR — Home Construction Contracts Act §1487. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
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