Maine Allows Fees for Only Two Things
From this document - http://www.maine.gov/pfr/insurance/faq/producers.html#chargingfees
The basic rule is that fees are not
allowed.
Charges for placing insurance must be as indicated in the company's
filings; in other words, the regular premiums as filed, and the resulting
commissions.
However, there are two circumstances allowing producers to charge
fees.
- First, producers with surplus lines authority may charge a nominal service charge in connection with surplus lines placements.
- Second, fees in addition to or in lieu of commissions may be charged for large commercial property and casualty risks.
This category is defined in Bureau Regulation
Chapter 900: http://www.maine.gov/sos/cec/rules/02/031/031c900.doc
What Qualifies as Large Commercial
Based on the above linked document...
A large commercial risk is defined as one whose aggregate annual premiums for commercial property and casualty insurance sold by a producer totals $150,000 or more.
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