black and white state seal

DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF INSURANCE

MICHELLE KAY GARDNER

PRODUCER RESIDENT

License Number:
PRR18837
Status:
Active
First Licensure:
10/15/1985
Cancel Date:
None
Renewal Date:
05/31/2027

Continuing Education:
Required by 05/31/2027
Hours Required:
Ethics:
3
Total Required:
24
Hours Acquired:
Ethics:
0
Total Acquired:
3

Mailing:
AUBURN, ME 04210
Phone:
+1 (207) 784-5863
Email:
mkgardner1963@gmail.com

History
License Type Start Date End Date
PRODUCER RESIDENT 10/15/1985 05/31/2027

Agency
Name Issue Date License Number Expiration Date Cancel Date
BILL JOHNSON INSURANCE AGENCY INC
 04/01/1994 AGR7200 02/08/1995
THE BILL JOHNSON INSURANCE AGENCY
 02/08/1995 AGR41412 05/21/1999
THE BILL JOHNSON INSURANCE AGENCY
 07/20/1998 AGR41412 05/21/1999
HARTFORD INSURANCE AGENCY
 08/12/1986 AGR29525 05/06/1992
HUB INTERNATIONAL NEW ENGLAND LLC
 04/27/2017 AGN38279
NORTON INSURANCE AGENCY INC
 07/10/2000 AGR3220 02/15/2017
VARNEY AGENCY INC
 10/05/2022 AGR12271

Employer
Name Issue Date License Number Expiration Date Cancel Date
ACADIA INSURANCE COMPANY
 03/29/2011 PCF35064 09/19/2019
ACADIA INSURANCE COMPANY
 10/12/2022 PCF35064
ACUITY A MUTUAL INSURANCE COMPANY
 10/17/2022 PCF155357
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/15/2008 PCF75617 10/28/2015
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/15/2008 PCF145893
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
 03/19/2015 PCF864 12/19/2017
ALLSTATE INDEMNITY COMPANY
 03/19/2015 PCF522 12/19/2017
ALLSTATE INSURANCE COMPANY
 03/19/2015 PCF354 12/19/2017
ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY
 03/19/2015 PCF84066 12/19/2017
AMERICAN CASUALTY COMPANY OF READING PENNSYLVANIA
 12/12/2022 PCF358
AMERICAN ECONOMY INSURANCE COMPANY
 08/28/2014 PCF363 08/17/2016
AMERICAN FIRE AND CASUALTY COMPANY
 08/28/2014 PCF200822 08/17/2016
AMERICAN FIRE AND CASUALTY COMPANY
 04/02/2018 PCF200822
AMERICAN STATES INSURANCE COMPANY
 08/28/2014 PCF377 08/17/2016
ANSUR AMERICA INSURANCE COMPANY
 03/13/2024 PCF95773
ASSURANCE COMPANY OF AMERICA
 07/11/2000 PCF651 07/21/2003
ATLANTIC SPECIALTY INSURANCE COMPANY
 10/20/2011 PCF104029 06/24/2014
THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
 05/18/1998 PCF659
BEDIVERE INSURANCE COMPANY
 02/18/2009 PCF91 05/04/2012
BRIGHTHOUSE LIFE INSURANCE COMPANY
 05/22/1986 LHF277 05/01/2003
BRISTOL WEST INSURANCE COMPANY
 12/03/2003 PCF78370 11/27/2012
BRISTOL WEST INSURANCE COMPANY
 02/18/2025 PCF78370
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 08/29/2002 PCF396 03/15/2004
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 09/28/2006 PCF396
THE CHARTER OAK FIRE INSURANCE COMPANY
 05/22/1986 PCF403
CITIZENS INSURANCE COMPANY OF AMERICA
 02/15/2001 PCF937 11/11/2004
CITIZENS INSURANCE COMPANY OF AMERICA
 06/19/2007 PCF937
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 10/19/2007 PCF416
CONTINENTAL CASUALTY COMPANY
 12/12/2022 PCF420
CONTINENTAL INSURANCE COMPANY
 12/12/2022 PCF782
CONTINENTAL WESTERN INSURANCE COMPANY
 03/29/2011 PCF673 09/19/2019
CONTINENTAL WESTERN INSURANCE COMPANY
 10/12/2022 PCF673
COUNTRYWAY INSURANCE COMPANY
 10/27/2022 PCF98
DAIRYLAND INSURANCE COMPANY
 09/09/1992 PCF721
EMPLOYERS FIRE INSURANCE COMPANY
 02/18/2009 PCF41 04/15/2013
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 09/14/2015 PCF434 08/17/2016
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 10/25/2016 PCF434
EXCELSIOR INSURANCE COMPANY
 08/21/1996 PCF46786 07/29/2009
EXCELSIOR INSURANCE COMPANY
 08/28/2014 PCF46786 08/17/2016
FARMERS CASUALTY INSURANCE COMPANY
 02/18/2025 PCF895
FARMERS DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY
 02/18/2025 PCF267721
FARMERS INSURANCE EXCHANGE FARMERS GROUP INC
 07/11/2000 IIF106 07/21/2003
FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY
 02/18/2025 PCF714
FARMINGTON CASUALTY COMPANY
 04/12/2006 PCF995
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 03/29/2011 PCF35141 09/19/2019
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 10/12/2022 PCF35141
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 03/13/2000 PCF445 05/29/2013
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 02/18/2025 PCF445
FRANKENMUTH INSURANCE COMPANY
 12/17/2008 PCF83684 03/11/2022
FRANKENMUTH INSURANCE COMPANY
 10/06/2022 PCF83684
GEICO MARINE INSURANCE COMPANY
 03/05/2025 PCF103315
GENERAL INSURANCE COMPANY OF AMERICA
 08/28/2014 PCF447 08/17/2016
GLATFELTER INSURANCE COMPANY
 07/11/2000 PCF752 07/21/2003
GREEN MOUNTAIN INSURANCE COMPANY INC
 10/31/2022 PCF73
THE HANOVER AMERICAN INSURANCE COMPANY
 10/17/2022 PCF197298
THE HANOVER INSURANCE COMPANY
 02/15/2001 PCF712 11/11/2004
THE HANOVER INSURANCE COMPANY
 06/19/2007 PCF712
LAMORAK INSURANCE COMPANY
 02/18/2009 PCF671 04/16/2013
MAIN STREET AMERICA ASSURANCE COMPANY
 07/09/1999 PCF997
MAIN STREET AMERICA PROTECTION INSURANCE COMPANY
 04/19/2016 PCF235440
MAINE BONDING AND CASUALTY COMPANY
 07/11/2000 PCD499 07/21/2003
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 09/21/2004 PCD35999 11/10/2004
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 06/19/2007 PCD35999
MARYLAND CASUALTY COMPANY
 07/11/2000 PCF500 07/21/2003
MASSACHUSETTS BAY INSURANCE COMPANY
 02/15/2001 PCF505 11/11/2004
MASSACHUSETTS BAY INSURANCE COMPANY
 06/19/2007 PCF505
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 01/21/2014 PCF79
MIDDLESEX MUTUAL ASSURANCE COMPANY
 08/02/2007 PCF844 05/01/2009
MIDVALE INDEMNITY COMPANY
 10/26/2022 PCF79410
MMG INSURANCE COMPANY
 01/26/2000 PCD5
NETHERLANDS INSURANCE COMPANY
 12/24/1994 PCF827 07/29/2009
NETHERLANDS INSURANCE COMPANY
 08/28/2014 PCF827 08/17/2016
NEW ENGLAND GUARANTY INSURANCE COMPANY INC
 08/03/2007 PCF87 12/12/2018
NGM INSURANCE COMPANY
 07/09/1999 PCF86
NORTHERN ASSURANCE COMPANY OF AMERICA
 02/18/2009 PCF1020 06/21/2013
NORTHERN INSURANCE COMPANY OF NEW YORK
 07/11/2000 PCF501 07/21/2003
NORTHERN SECURITY INSURANCE COMPANY INC
 06/12/2007 PCF36 09/29/2022
NORTHERN SECURITY INSURANCE COMPANY INC
 03/14/2023 PCF36
OHIO CASUALTY INSURANCE COMPANY
 08/28/2014 PCF73059 08/17/2016
OHIO CASUALTY INSURANCE COMPANY
 09/13/2016 PCF73059
OHIO SECURITY INSURANCE COMPANY
 08/28/2014 PCF200581 08/17/2016
OHIO SECURITY INSURANCE COMPANY
 09/23/2016 PCF200581
PATRIOT INSURANCE COMPANY
 07/16/2007 PCD208274 03/11/2022
PATRIOT INSURANCE COMPANY
 10/06/2022 PCD208274
PATRONS OXFORD INSURANCE COMPANY
 10/01/2003 PCD7 12/03/2004
PATRONS OXFORD INSURANCE COMPANY
 04/29/2014 PCD7
PEERLESS INDEMNITY INSURANCE COMPANY
 08/28/2014 PCF97399 08/17/2016
PEERLESS INSURANCE COMPANY
 12/24/1994 PCF548 07/29/2009
PEERLESS INSURANCE COMPANY
 08/28/2014 PCF548 08/17/2016
PENNSYLVANIA INSURANCE COMPANY
 02/18/2009 PCF72859 11/13/2010
THE PHOENIX INSURANCE COMPANY
 05/22/1986 PCF557
PROGRESSIVE CASUALTY INSURANCE COMPANY
 08/23/1999 PCF637 11/02/2004
PROGRESSIVE NORTHERN INSURANCE COMPANY
 08/23/1999 PCF51006 11/02/2004
PROGRESSIVE NORTHERN INSURANCE COMPANY
 05/02/2016 PCF51006
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 09/03/1999 PCF27738 11/02/2004
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 05/02/2016 PCF27738
PROVIDENCE MUTUAL FIRE INSURANCE COMPANY
 10/11/2022 PCF562
SAFECO NATIONAL INSURANCE COMPANY
 09/14/2015 PCF248658
THE STANDARD FIRE INSURANCE COMPANY
 05/18/1998 PCF584
STATE MUTUAL INSURANCE COMPANY
 10/31/2022 PCD102
TRAVELERS CASUALTY AND SURETY COMPANY
 12/19/1996 PCF348
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 12/19/1996 PCF974
TRAVELERS CASUALTY COMPANY OF CONNECTICUT
 06/06/2002 PCF31810 06/30/2014
TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
 04/12/2006 PCF935
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 06/05/2007 PCF56556
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 05/22/1986 PCF585
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 05/22/1986 PCF435
THE TRAVELERS INDEMNITY COMPANY
 05/22/1986 PCF602
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 05/18/1995 PCF711
TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY
 06/06/2002 PCF31808 12/05/2009
TRI STATE INSURANCE COMPANY OF MINNESOTA
 03/26/2014 PCF146321 09/19/2019
TRI STATE INSURANCE COMPANY OF MINNESOTA
 10/12/2022 PCF146321
TRUCK INSURANCE EXCHANGE TRUCK UNDERWRITERS ASSOCIATION
 06/07/2007 IIF107 06/22/2007
UNION INSURANCE COMPANY
 03/29/2011 PCF141739 09/19/2019
UNION INSURANCE COMPANY
 10/12/2022 PCF141739
UNION MUTUAL FIRE INSURANCE COMPANY
 08/03/2007 PCF95 12/08/2022
VERLAN FIRE INSURANCE COMPANY
 01/03/2012 PCF161934 10/28/2015
VERMONT ACCIDENT INSURANCE COMPANY INC
 10/31/2022 PCF883
VERMONT MUTUAL INSURANCE COMPANY
 06/12/2007 PCF37 09/29/2022
VERMONT MUTUAL INSURANCE COMPANY
 03/14/2023 PCF37
WEST AMERICAN INSURANCE COMPANY
 08/28/2014 PCF200576 08/17/2016
WEST AMERICAN INSURANCE COMPANY
 10/02/2017 PCF200576
WESTERN SURETY COMPANY
 12/09/2022 PCF96
YORK INSURANCE COMPANY OF MAINE
 12/01/2001 PCF498 01/27/2005
YORK INSURANCE COMPANY OF MAINE
 02/18/2009 PCF498 07/21/2016

Authority
Description Issue Date Termination Date Status
CASUALTY 10/15/1985 Active
HEALTH 03/05/1997 Active
LIFE 03/05/1997 Active
PROPERTY 10/15/1985 Active

License/Disciplinary Action

None.

GENERAL INFORMATION

NAIC Information

National Producer Number (NPN):
3351441

Other Phone Numbers
Phone Number Type
+1 (207) 784-5863 Office

CE Courses
Date Description Course Number Content Areas
10/01/2025 HOW TO TURN YOUR TECHNICAL KNOWLEDGE INTO DOLLARS (WEB) 29919
3
credits in General Education
Total:
3

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: 10/31/2025 06:51:14 AM