black and white state seal

DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF INSURANCE

TERESA A. KOWALSKI

PRODUCER RESIDENT

License Number:
PRR41354
Status:
Active
First Licensure:
01/31/1995
Cancel Date:
None
Renewal Date:
06/30/2025

Continuing Education:
Required by 06/30/2025
Hours Required:
Ethics:
3
Total Required:
24
Hours Acquired:
Ethics:
3
Total Acquired:
16

Mailing:
BIDDEFORD, ME 04005
Phone:
+1 (207) 283-1486
Fax:
+1 (207) 283-4258
Email:
licensing@insurancepc.com

History
License Type Start Date End Date
PRODUCER RESIDENT 01/31/1995 06/30/2025

Agency
Name Issue Date License Number Expiration Date Cancel Date
F A PEABODY COMPANY
 02/19/2009 AGR3350 03/13/2014
F A PEABODY COMPANY
 06/05/2019 AGR3350 02/12/2021
FENDERSON INSURANCE AGENCY
 06/21/2002 AGR37179 04/25/2003
J C MILLIKEN AGENCY INC
 05/08/2003 AGR3008 02/17/2009
PAQUIN & CARROLL LLC
 05/23/2013 AGR148236 02/04/2015
PAQUIN & CARROLL LLC
 02/04/2015 AGR245816 05/02/2019
PAQUIN & CARROLL LLC
 02/09/2021 AGR245816
VARNEY AGENCY INC
 01/31/1995 AGR12271 06/21/2002

Employer
Name Issue Date License Number Expiration Date Cancel Date
21ST CENTURY PREMIER INSURANCE COMPANY
 02/04/2009 PCF321 03/26/2009
ACADIA INSURANCE COMPANY
 04/19/1995 PCF35064 07/23/2013
ACADIA INSURANCE COMPANY
 10/15/2019 PCF35064 03/10/2023
ACADIA INSURANCE COMPANY
 02/20/2025 PCF35064
ACUITY A MUTUAL INSURANCE COMPANY
 06/06/2019 PCF155357 04/12/2021
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/15/2008 PCF75617 10/28/2015
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 06/18/2019 PCF75617
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/15/2008 PCF145893 05/17/2019
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 06/18/2019 PCF145893
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
 06/04/2021 PCF864 11/23/2022
ALLSTATE INDEMNITY COMPANY
 06/04/2021 PCF522 11/23/2022
ALLSTATE INSURANCE COMPANY
 06/04/2021 PCF354 11/23/2022
ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY
 06/04/2021 PCF84066 11/23/2022
AMERICAN ECONOMY INSURANCE COMPANY
 04/14/2009 PCF363 05/24/2019
AMERICAN FIRE AND CASUALTY COMPANY
 09/05/2014 PCF200822 05/24/2019
AMERICAN STATES INSURANCE COMPANY
 04/14/2009 PCF377 05/24/2019
AMERICAN ZURICH INSURANCE COMPANY
 06/08/2006 PCF914 10/28/2014
AMGUARD INSURANCE COMPANY
 10/06/1997 PCF51460 07/07/2003
ANSUR AMERICA INSURANCE COMPANY
 02/15/2024 PCF95773
ASSURANCE COMPANY OF AMERICA
 09/30/1999 PCF651 07/31/2003
ATHOME INSURANCE COMPANY
 12/14/2005 PCF503 04/30/2009
ATLANTIC SPECIALTY INSURANCE COMPANY
 10/19/2011 PCF104029 06/24/2014
BEDIVERE INSURANCE COMPANY
 09/10/2009 PCF91 12/08/2010
BRISTOL WEST INSURANCE COMPANY
 05/10/2001 PCF78370 04/05/2014
BRISTOL WEST INSURANCE COMPANY
 01/03/2023 PCF78370
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 07/02/2002 PCF396 01/04/2005
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 02/06/2019 PCF396 05/15/2019
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 10/15/2019 PCF396 11/21/2024
CASCO INDEMNITY COMPANY
 05/05/2003 PCF921 05/20/2013
CASCO INDEMNITY COMPANY
 06/05/2019 PCF921 04/12/2021
THE CHARTER OAK FIRE INSURANCE COMPANY
 03/22/2004 PCF403 12/27/2004
THE CHARTER OAK FIRE INSURANCE COMPANY
 01/26/2006 PCF403 05/23/2019
THE CHARTER OAK FIRE INSURANCE COMPANY
 03/22/2021 PCF403
CITIZENS INSURANCE COMPANY OF AMERICA
 05/14/2004 PCF937 05/17/2019
CITIZENS INSURANCE COMPANY OF AMERICA
 06/18/2019 PCF937
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 03/24/2009 PCF416 05/15/2019
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 10/29/2019 PCF416
CONTINENTAL WESTERN INSURANCE COMPANY
 09/26/2008 PCF673 07/23/2013
CONTINENTAL WESTERN INSURANCE COMPANY
 10/15/2019 PCF673 03/10/2023
CONTINENTAL WESTERN INSURANCE COMPANY
 02/20/2025 PCF673
COUNTRYWAY INSURANCE COMPANY
 09/01/2004 PCF98 03/20/2014
DAIRYLAND INSURANCE COMPANY
 04/29/2003 PCF721 03/05/2009
EASTGUARD INSURANCE COMPANY
 07/01/1995 PCF101 07/07/2003
EMPLOYERS FIRE INSURANCE COMPANY
 09/10/2009 PCF41 12/18/2010
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 09/15/2015 PCF434 05/24/2019
EXCELSIOR INSURANCE COMPANY
 09/30/2002 PCF46786 05/24/2019
FARMERS INSURANCE EXCHANGE FARMERS GROUP INC
 09/30/1999 IIF106 07/31/2003
FARMINGTON CASUALTY COMPANY
 04/12/2006 PCF995 12/05/2009
FARMINGTON CASUALTY COMPANY
 05/31/2013 PCF995 05/23/2019
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 09/26/2008 PCF35141 07/23/2013
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 10/15/2019 PCF35141 03/10/2023
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 02/20/2025 PCF35141
FIRST LIBERTY INSURANCE CORPORATION
 09/17/2015 PCF31779 05/24/2019
FIRST NATIONAL INSURANCE COMPANY OF AMERICA
 04/14/2009 PCF71263 05/24/2019
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 01/03/2023 PCF445
FRANKENMUTH INSURANCE COMPANY
 12/11/2008 PCF83684 05/15/2019
FRANKENMUTH INSURANCE COMPANY
 10/30/2019 PCF83684 02/02/2021
FRANKENMUTH INSURANCE COMPANY
 02/04/2021 PCF83684
GENERAL INSURANCE COMPANY OF AMERICA
 04/14/2009 PCF447 05/24/2019
GREAT FALLS INSURANCE COMPANY
 07/27/2011 PCD185974 11/26/2013
GREEN MOUNTAIN INSURANCE COMPANY INC
 03/24/2009 PCF73 05/15/2019
GREEN MOUNTAIN INSURANCE COMPANY INC
 10/29/2019 PCF73
GUIDEONE INSURANCE COMPANY
 07/02/2002 PCF885 11/20/2003
GUIDEONE SPECIALTY INSURANCE COMPANY
 07/02/2002 PCF511 11/20/2003
THE HANOVER AMERICAN INSURANCE COMPANY
 03/18/2015 PCF197298 10/28/2015
THE HANOVER AMERICAN INSURANCE COMPANY
 06/18/2019 PCF197298
THE HANOVER INSURANCE COMPANY
 05/14/2004 PCF712 05/17/2019
THE HANOVER INSURANCE COMPANY
 06/18/2019 PCF712
HARLEYSVILLE INSURANCE COMPANY
 08/25/2008 PCF129870 08/27/2018
HARLEYSVILLE MUTUAL INSURANCE COMPANY
 08/25/2008 PCF74622 05/01/2012
HARLEYSVILLE PREFERRED INSURANCE COMPANY
 08/25/2008 PCF128998 08/27/2018
HARLEYSVILLE WORCESTER INSURANCE COMPANY
 09/01/2005 PCF908 08/27/2018
HARTFORD ACCIDENT & INDEMNITY COMPANY
 12/10/2002 PCF462 01/26/2006
HARTFORD FIRE INSURANCE COMPANY
 12/10/2002 PCF464 01/26/2006
HARTFORD INSURANCE COMPANY OF THE MIDWEST
 12/10/2002 PCF1021 01/26/2006
HARTFORD UNDERWRITERS INSURANCE COMPANY
 12/10/2002 PCF992 01/26/2006
HOLYOKE MUTUAL INSURANCE COMPANY IN SALEM
 05/02/2013 PCF472 05/01/2015
LAMORAK INSURANCE COMPANY
 09/10/2009 PCF671 12/18/2010
LIBERTY INSURANCE CORPORATION
 09/17/2015 PCF999 05/24/2019
LIBERTY MUTUAL FIRE INSURANCE COMPANY
 09/17/2015 PCF330 05/24/2019
LIBERTY MUTUAL INSURANCE COMPANY
 09/17/2015 PCF331 05/24/2019
LM INSURANCE CORPORATION
 09/17/2015 PCF31778 05/24/2019
MAIN STREET AMERICA ASSURANCE COMPANY
 06/28/2002 PCF997 03/17/2014
MAINE BONDING AND CASUALTY COMPANY
 09/30/1999 PCD499 07/31/2003
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 03/15/2007 PCD35999 04/01/2014
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 10/30/2014 PCD35999 05/15/2019
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 10/16/2019 PCD35999 08/11/2021
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 03/02/2022 PCD35999
MARYLAND CASUALTY COMPANY
 09/30/1999 PCF500 07/31/2003
MASSACHUSETTS BAY INSURANCE COMPANY
 05/14/2004 PCF505 05/17/2019
MASSACHUSETTS BAY INSURANCE COMPANY
 06/18/2019 PCF505
MEMIC INDEMNITY COMPANY
 05/16/2013 PCF153927 04/01/2014
MEMIC INDEMNITY COMPANY
 10/30/2014 PCF153927 05/15/2019
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 02/06/2019 PCF79 05/15/2019
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 10/15/2019 PCF79 11/21/2024
MIDDLESEX INSURANCE COMPANY
 02/04/2021 PCF509
MIDDLESEX MUTUAL ASSURANCE COMPANY
 01/31/1995 PCF844 05/01/2015
MMG INSURANCE COMPANY
 06/01/2002 PCD5 12/09/2014
MMG INSURANCE COMPANY
 03/03/2022 PCD5
MOUNTAIN VALLEY INDEMNITY COMPANY
 02/02/2007 PCF48487 02/11/2009
NATIONWIDE MUTUAL INSURANCE COMPANY
 04/25/2012 PCF32 12/10/2018
NETHERLANDS INSURANCE COMPANY
 09/30/2002 PCF827 05/24/2019
NEW ENGLAND GUARANTY INSURANCE COMPANY INC
 08/19/2003 PCF87 12/13/2018
NGM INSURANCE COMPANY
 06/28/2002 PCF86 03/17/2014
NORGUARD INSURANCE COMPANY
 10/06/1997 PCF51459 07/07/2003
NORTH EAST INSURANCE COMPANY
 06/28/2002 PCF536 02/11/2009
NORTHERN ASSURANCE COMPANY OF AMERICA
 12/08/2010 PCF1020 08/01/2013
NORTHERN INSURANCE COMPANY OF NEW YORK
 09/30/1999 PCF501 07/31/2003
NORTHERN SECURITY INSURANCE COMPANY INC
 07/11/2014 PCF36 05/15/2019
NORTHERN SECURITY INSURANCE COMPANY INC
 01/26/2021 PCF36
NORTHLAND INSURANCE COMPANY
 04/18/1996 PCF537 06/25/2003
OHIO CASUALTY INSURANCE COMPANY
 04/14/2009 PCF73059 05/24/2019
OHIO CASUALTY INSURANCE COMPANY
 09/23/2019 PCF73059
OHIO SECURITY INSURANCE COMPANY
 09/05/2014 PCF200581 05/24/2019
OHIO SECURITY INSURANCE COMPANY
 12/27/2019 PCF200581
PATRIOT INSURANCE COMPANY
 04/01/2003 PCD208274 05/15/2019
PATRIOT INSURANCE COMPANY
 10/30/2019 PCD208274 02/02/2021
PATRIOT INSURANCE COMPANY
 02/04/2021 PCD208274
PATRONS OXFORD INSURANCE COMPANY
 09/30/2002 PCD7
PEERLESS INDEMNITY INSURANCE COMPANY
 04/14/2009 PCF97399 05/24/2019
PEERLESS INSURANCE COMPANY
 09/30/2002 PCF548 05/24/2019
THE PHOENIX INSURANCE COMPANY
 03/22/2004 PCF557 12/27/2004
THE PHOENIX INSURANCE COMPANY
 01/26/2006 PCF557 05/23/2019
THE PHOENIX INSURANCE COMPANY
 06/26/2019 PCF557
PROGRESSIVE NORTHERN INSURANCE COMPANY
 11/22/2002 PCF51006 05/20/2019
PROGRESSIVE NORTHERN INSURANCE COMPANY
 11/01/2019 PCF51006 07/25/2022
PROGRESSIVE NORTHERN INSURANCE COMPANY
 04/26/2024 PCF51006
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 11/22/2002 PCF27738 05/20/2019
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 11/01/2019 PCF27738 07/25/2022
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 04/26/2024 PCF27738
SAFECO NATIONAL INSURANCE COMPANY
 09/15/2015 PCF248658 05/24/2019
SELECTIVE INSURANCE COMPANY OF AMERICA
 06/10/2024 PCF456095
SELECTIVE INSURANCE COMPANY OF NEW YORK
 06/10/2024 PCF437
SELECTIVE INSURANCE COMPANY OF SOUTH CAROLINA
 06/10/2024 PCF456097
SELECTIVE INSURANCE COMPANY OF THE SOUTHEAST
 06/10/2024 PCF456098
SELECTIVE WAY INSURANCE COMPANY
 06/10/2024 PCF456096
SENTRY INSURANCE COMPANY
 02/04/2021 PCF461
ST. PAUL FIRE AND MARINE INSURANCE COMPANY
 05/31/2013 PCF575 07/01/2014
ST. PAUL GUARDIAN INSURANCE COMPANY
 05/31/2013 PCF701 07/01/2014
ST. PAUL MERCURY INSURANCE COMPANY
 05/31/2013 PCF576 07/07/2016
ST. PAUL PROTECTIVE INSURANCE COMPANY
 07/19/2002 PCF353 04/11/2003
THE STANDARD FIRE INSURANCE COMPANY
 04/12/2006 PCF584 05/23/2019
THE STANDARD FIRE INSURANCE COMPANY
 06/26/2019 PCF584
STATE MUTUAL INSURANCE COMPANY
 03/24/2009 PCD102 05/15/2019
STATE MUTUAL INSURANCE COMPANY
 10/29/2019 PCD102
TOWER INSURANCE COMPANY OF NEW YORK
 02/26/2008 PCF120355 03/20/2014
TOWER NATIONAL INSURANCE COMPANY
 02/26/2008 PCF923 02/11/2009
TRAVELERS CASUALTY AND SURETY COMPANY
 03/22/2004 PCF348 12/27/2004
TRAVELERS CASUALTY AND SURETY COMPANY
 01/26/2006 PCF348 05/23/2019
TRAVELERS CASUALTY AND SURETY COMPANY
 06/26/2019 PCF348
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 09/07/2004 PCF974 12/27/2004
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 05/31/2013 PCF974 05/23/2019
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 06/26/2019 PCF974
TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
 04/12/2006 PCF935 05/23/2019
TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
 06/26/2019 PCF935
TRAVELERS COMMERCIAL CASUALTY COMPANY
 04/09/2009 PCF83507 12/05/2009
TRAVELERS COMMERCIAL CASUALTY COMPANY
 12/21/2009 PCF83507 05/23/2019
TRAVELERS COMMERCIAL CASUALTY COMPANY
 06/26/2019 PCF83507 07/08/2020
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 06/18/2007 PCF56556 05/31/2013
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 03/22/2004 PCF585 12/27/2004
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 01/26/2006 PCF585 05/23/2019
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 06/26/2019 PCF585
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 03/22/2004 PCF435 12/27/2004
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 01/26/2006 PCF435 05/23/2019
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 06/26/2019 PCF435
THE TRAVELERS INDEMNITY COMPANY
 03/22/2004 PCF602 12/27/2004
THE TRAVELERS INDEMNITY COMPANY
 01/26/2006 PCF602 05/23/2019
THE TRAVELERS INDEMNITY COMPANY
 06/26/2019 PCF602
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 03/22/2004 PCF711 12/27/2004
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 01/26/2006 PCF711 05/23/2019
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 06/26/2019 PCF711 07/08/2020
TRI STATE INSURANCE COMPANY OF MINNESOTA
 10/15/2019 PCF146321 03/10/2023
TRI STATE INSURANCE COMPANY OF MINNESOTA
 02/20/2025 PCF146321
TWIN CITY FIRE INSURANCE COMPANY
 12/10/2002 PCF963 01/26/2006
UNION INSURANCE COMPANY
 06/15/2010 PCF141739 07/23/2013
UNION INSURANCE COMPANY
 10/15/2019 PCF141739 03/10/2023
UNION INSURANCE COMPANY
 02/20/2025 PCF141739
UNION MUTUAL FIRE INSURANCE COMPANY
 08/19/2003 PCF95 07/02/2019
UNITED FINANCIAL CASUALTY COMPANY
 08/11/2006 PCF61704 03/31/2012
UNITED OHIO INSURANCE COMPANY
 01/01/2012 PCF192494 05/20/2013
UNITED OHIO INSURANCE COMPANY
 06/05/2019 PCF192494 04/12/2021
VERMONT ACCIDENT INSURANCE COMPANY INC
 10/29/2019 PCF883
VERMONT MUTUAL INSURANCE COMPANY
 07/11/2014 PCF37 05/15/2019
VERMONT MUTUAL INSURANCE COMPANY
 01/26/2021 PCF37
WEST AMERICAN INSURANCE COMPANY
 09/05/2014 PCF200576 05/24/2019
WESTERN SURETY COMPANY
 10/10/2019 PCF96
YORK INSURANCE COMPANY OF MAINE
 09/30/2002 PCF498 11/23/2005
YORK INSURANCE COMPANY OF MAINE
 09/10/2009 PCF498 07/21/2016

Authority
Description Issue Date Termination Date Status Additional Information
CASUALTY 01/31/1995 Active
PROPERTY 01/31/1995 Active
LIMITED TO HOME STATE 01/31/1995 03/07/1995 Terminated
Designated State

License/Disciplinary Action

None.

GENERAL INFORMATION

NAIC Information

National Producer Number (NPN):
3683436

Other Addresses
Address Type
BIDDEFORD, ME 04005
 Office

Other Phone Numbers
Phone Number Type
+1 (207) 283-1486 Office

CE Courses
Date Description Course Number Content Areas
04/25/2025 FLOOD INSURANCE FUNDAMENTALS: NFIP TRAINING FOR INSURANCE PRODUCERS 21961
3
credits in General Education
Total:
3
04/16/2025 CERTIFICATE OF INSURANCE:FACTS AND FALLACIES 27664
5
credits in General Education
Total:
5
03/20/2025 ETHICS IN THE P & C INSURANCE WORKPLACE ME16444
3
credits in Ethics
5
credits in General Education
Total:
8

An active license/permit may still be subject to limitations and restrictions as a result of disciplinary action imposed. Please contact the specific licensing board about specific disciplinary actions.

Date: 05/14/2025 12:05:48 AM