black and white state seal

DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF INSURANCE

MICHELLE JOY CHARLOUX

PRODUCER RESIDENT

License Number:
PRR41520
Status:
Active
First Licensure:
02/28/1995
Cancel Date:
None
Renewal Date:
09/30/2025

Continuing Education:
Required by 09/30/2025
Hours Required:
Ethics:
3
Total Required:
24
Hours Acquired:
Ethics:
3
Total Acquired:
24

Mailing:
BANGOR, ME 04401
Phone:
+1 (207) 947-7345
Fax:
+1 (207) 941-0849
Email:
licensing@crossagency.com

History
License Type Start Date End Date
PRODUCER RESIDENT 02/28/1995 09/30/2025

Agency
Name Issue Date License Number Expiration Date Cancel Date
CROSS INSURANCE, INC. - MAINE
 02/28/1995 AGR19087

Employer
Name Issue Date License Number Expiration Date Cancel Date
ACADIA INSURANCE COMPANY
 04/19/1995 PCF35064
ACE AMERICAN INSURANCE COMPANY
 04/01/2001 PCF640
ACE FIRE UNDERWRITERS INSURANCE COMPANY
 04/01/2001 PCF43
ACE PROPERTY & CASUALTY INSURANCE COMPANY
 04/01/2001 PCF44
ACUITY A MUTUAL INSURANCE COMPANY
 06/23/2015 PCF155357 12/20/2023
ALLIED INSURANCE COMPANY OF AMERICA
 10/05/2021 PCF216138
ALLMERICA FINANCIAL ALLIANCE INSURANCE COMPANY
 05/15/2008 PCF75617 10/28/2015
ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY
 05/15/2008 PCF145893
AMERICAN AND FOREIGN INSURANCE COMPANY
 09/14/2001 PCF838 12/31/2004
AMERICAN CASUALTY COMPANY OF READING PENNSYLVANIA
 09/15/1995 PCF358
AMERICAN ZURICH INSURANCE COMPANY
 06/09/2006 PCF914
AMGUARD INSURANCE COMPANY
 10/06/1997 PCF51460
ANSUR AMERICA INSURANCE COMPANY
 02/22/2024 PCF95773
ARROWOOD INDEMNITY COMPANY
 09/14/2001 PCF837 07/18/2006
ASSURANCE COMPANY OF AMERICA
 09/30/1999 PCF651 07/31/2013
ATLANTIC SPECIALTY INSURANCE COMPANY
 10/04/2011 PCF104029 06/18/2018
THE AUTOMOBILE INSURANCE COMPANY OF HARTFORD, CONNECTICUT
 04/12/1995 PCF659
BANKERS STANDARD INSURANCE COMPANY
 06/11/2015 PCF152165
BEAZLEY INSURANCE COMPANY INC.
 03/08/1996 PCF1001 05/24/2005
BERKLEY NATIONAL INSURANCE COMPANY
 06/08/2020 PCF144434
BERKLEY REGIONAL INSURANCE COMPANY
 06/08/2020 PCF48727
BRISTOL WEST INSURANCE COMPANY
 07/07/2020 PCF78370
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
 02/27/2002 PCF396
CASCO INDEMNITY COMPANY
 10/31/2011 PCF921
THE CHARTER OAK FIRE INSURANCE COMPANY
 08/06/1997 PCF403
CHUBB INDEMNITY INSURANCE COMPANY
 12/31/2013 PCF591
CHUBB NATIONAL INSURANCE COMPANY
 01/08/2010 PCF80404
CITIZENS INSURANCE COMPANY OF AMERICA
 06/09/2004 PCF937
CONCORD GENERAL MUTUAL INSURANCE COMPANY
 06/22/1995 PCF416
CONTINENTAL CASUALTY COMPANY
 09/15/1995 PCF420 03/25/2004
CONTINENTAL CASUALTY COMPANY
 11/21/2008 PCF420
CONTINENTAL INSURANCE COMPANY
 09/15/1995 PCF782 11/20/2003
CONTINENTAL INSURANCE COMPANY
 11/21/2008 PCF782
CONTINENTAL WESTERN INSURANCE COMPANY
 09/29/2005 PCF673
COUNTRY MUTUAL INSURANCE COMPANY
 01/01/2017 PCF78610 06/27/2018
COUNTRYWAY INSURANCE COMPANY
 09/01/2004 PCF98
CRESTBROOK INSURANCE COMPANY
 10/31/2024 PCF216145
EASTGUARD INSURANCE COMPANY
 04/13/2000 PCF101 11/19/2004
EMPLOYERS INSURANCE COMPANY OF WAUSAU
 03/24/2003 PCF434
EXCELSIOR INSURANCE COMPANY
 08/21/1996 PCF46786 04/26/2024
EXECUTIVE RISK INDEMNITY INC.
 01/08/2010 PCF42522
FARMERS INSURANCE EXCHANGE FARMERS GROUP INC
 09/30/1999 IIF106 03/21/2012
FARMINGTON CASUALTY COMPANY
 04/12/1995 PCF995 12/05/2009
FEDERAL INSURANCE COMPANY
 01/08/2010 PCF439
FIDELITY AND GUARANTY INSURANCE COMPANY
 01/15/2004 PCF832 12/05/2009
FIDELITY AND GUARANTY INSURANCE UNDERWRITERS INC.
 01/15/2004 PCF441 12/05/2009
FIREMANS FUND INSURANCE COMPANY
 06/12/2009 PCF443
FIREMEN'S INSURANCE COMPANY OF WASHINGTON DC
 09/29/2005 PCF35141
FIRST LIBERTY INSURANCE CORPORATION
 01/22/2009 PCF31779
FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
 03/18/2013 PCF445 11/12/2018
FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY
 03/18/2013 PCF37337 11/12/2018
FOREMOST SIGNATURE INSURANCE COMPANY
 03/18/2013 PCF176307 11/12/2018
FRANKENMUTH INSURANCE COMPANY
 12/16/2008 PCF83684
GEICO MARINE INSURANCE COMPANY
 02/06/2025 PCF103315
GLENS FALLS INSURANCE COMPANY
 01/01/2001 PCF786 12/31/2006
GLOBE INDEMNITY COMPANY
 09/14/2001 PCF839 12/31/2004
GREAT NORTHERN INSURANCE COMPANY
 01/08/2010 PCF455
GREEN MOUNTAIN INSURANCE COMPANY INC
 05/23/2023 PCF73
GUIDEONE INSURANCE COMPANY
 11/28/1997 PCF885
GUIDEONE SPECIALTY INSURANCE COMPANY
 11/28/1997 PCF511
GULF INSURANCE COMPANY
 01/02/2001 PCF457 07/01/2005
THE HANOVER INSURANCE COMPANY
 06/09/2004 PCF712
HARLEYSVILLE INSURANCE COMPANY
 08/27/2008 PCF129870
HARLEYSVILLE MUTUAL INSURANCE COMPANY
 08/27/2008 PCF74622 05/01/2012
HARLEYSVILLE PREFERRED INSURANCE COMPANY
 08/27/2008 PCF128998
HARLEYSVILLE WORCESTER INSURANCE COMPANY
 02/20/1996 PCF908
HARTFORD ACCIDENT & INDEMNITY COMPANY
 09/04/1996 PCF462 01/26/2006
HARTFORD ACCIDENT & INDEMNITY COMPANY
 03/22/2006 PCF462 06/25/2007
HARTFORD CASUALTY INSURANCE COMPANY
 09/04/1996 PCF967 01/26/2006
HARTFORD CASUALTY INSURANCE COMPANY
 03/22/2006 PCF967 07/07/2008
HARTFORD FIRE INSURANCE COMPANY
 09/04/1996 PCF464 01/26/2006
HARTFORD FIRE INSURANCE COMPANY
 03/22/2006 PCF464 06/05/2015
HARTFORD INSURANCE COMPANY OF THE MIDWEST
 03/22/2006 PCF1021 07/07/2008
HARTFORD STEAM BOILER INSPECTION & INSURANCE COMPANY
 10/11/1999 PCF465
HARTFORD UNDERWRITERS INSURANCE COMPANY
 09/04/1996 PCF992 01/26/2006
HARTFORD UNDERWRITERS INSURANCE COMPANY
 03/22/2006 PCF992 07/07/2008
INDEMNITY INSURANCE COMPANY OF NORTH AMERICA
 04/01/2001 PCF50104
INSURANCE COMPANY OF NORTH AMERICA
 04/01/2001 PCF480
LIBERTY INSURANCE CORPORATION
 01/22/2009 PCF999
LIBERTY MUTUAL FIRE INSURANCE COMPANY
 01/22/2009 PCF330
LIBERTY MUTUAL INSURANCE COMPANY
 01/22/2009 PCF331
LM INSURANCE CORPORATION
 01/22/2009 PCF31778
MAIN STREET AMERICA ASSURANCE COMPANY
 03/19/2004 PCF997
MAIN STREET AMERICA PROTECTION INSURANCE COMPANY
 04/07/2016 PCF235440
MAINE BONDING AND CASUALTY COMPANY
 09/30/1999 PCD499 09/09/2008
MAINE EMPLOYERS MUTUAL INSURANCE COMPANY
 04/07/1995 PCD35999
MARYLAND CASUALTY COMPANY
 09/30/1999 PCF500 07/31/2013
MASSACHUSETTS BAY INSURANCE COMPANY
 06/09/2004 PCF505
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
 07/31/2019 PCF79
MIDDLESEX MUTUAL ASSURANCE COMPANY
 02/28/1995 PCF844 12/31/2016
MIDVALE INDEMNITY COMPANY
 09/15/2020 PCF79410
MMG INSURANCE COMPANY
 02/28/1995 PCD5
MOTORISTS COMMERCIAL MUTUAL INSURANCE COMPANY
 02/06/2019 PCF46
MOUNTAIN VALLEY INDEMNITY COMPANY
 08/29/2000 PCF48487 02/11/2009
NATIONAL FIRE INSURANCE COMPANY OF HARTFORD
 11/21/2008 PCF523
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA
 10/05/2021 PCF34188
NATIONWIDE AGRIBUSINESS INSURANCE COMPANY
 09/22/2015 PCF151937
NATIONWIDE ASSURANCE COMPANY
 12/30/2019 PCF38952 09/25/2023
NATIONWIDE GENERAL INSURANCE COMPANY
 08/28/2018 PCF30 09/25/2023
NATIONWIDE INSURANCE COMPANY OF AMERICA
 12/30/2019 PCF422 09/25/2023
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
 08/28/2018 PCF31 01/01/2023
NATIONWIDE MUTUAL INSURANCE COMPANY
 04/25/2012 PCF32
NATIONWIDE PROPERTY & CASUALTY INSURANCE COMPANY
 12/30/2019 PCF151089 09/25/2023
NETHERLANDS INSURANCE COMPANY
 01/23/1996 PCF827 04/26/2024
NEW ENGLAND GUARANTY INSURANCE COMPANY INC
 06/22/2004 PCF87 08/10/2015
NGM INSURANCE COMPANY
 03/19/2004 PCF86
NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY
 05/01/2006 PCF535 08/27/2013
NORGUARD INSURANCE COMPANY
 10/06/1997 PCF51459
NORTH EAST INSURANCE COMPANY
 02/28/1995 PCF536 02/11/2009
NORTHERN INSURANCE COMPANY OF NEW YORK
 09/30/1999 PCF501 07/31/2013
NORTHERN SECURITY INSURANCE COMPANY INC
 10/26/2006 PCF36
OHIO CASUALTY INSURANCE COMPANY
 05/05/2004 PCF73059 12/09/2022
OHIO SECURITY INSURANCE COMPANY
 09/05/2014 PCF200581
PACIFIC EMPLOYERS INSURANCE COMPANY
 06/11/2015 PCF546
PACIFIC INDEMNITY COMPANY
 01/08/2010 PCF547
PATRIOT INSURANCE COMPANY
 07/17/2007 PCD208274
PATRONS OXFORD INSURANCE COMPANY
 06/12/2014 PCD7
PEERLESS INSURANCE COMPANY
 01/23/1996 PCF548
PENINSULA INSURANCE COMPANY-THE
 07/13/2012 PCF120460
PHENIX MUTUAL FIRE INSURANCE COMPANY
 04/01/2008 PCF554 03/27/2024
THE PHOENIX INSURANCE COMPANY
 08/06/1997 PCF557
PROGRESSIVE CASUALTY INSURANCE COMPANY
 10/11/1999 PCF637
PROGRESSIVE NORTHERN INSURANCE COMPANY
 10/11/1999 PCF51006
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY
 10/11/1999 PCF27738
PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD
 03/22/2006 PCF47445 06/25/2007
PROVIDENCE MUTUAL FIRE INSURANCE COMPANY
 05/03/2004 PCF562
RIVERPORT INSURANCE COMPANY
 09/02/2013 PCF129149
ROYAL INSURANCE COMPANY OF AMERICA
 09/14/2001 PCF684 12/31/2004
SAFECO NATIONAL INSURANCE COMPANY
 02/27/2017 PCF248658
SAFEGUARD INSURANCE COMPANY
 09/14/2001 PCF574 12/31/2004
SENTINEL INSURANCE COMPANY LTD
 03/22/2006 PCF84269 07/07/2008
SENTINEL INSURANCE COMPANY LTD
 04/08/2014 PCF84269 12/29/2015
ST. PAUL FIRE AND MARINE INSURANCE COMPANY
 05/17/1995 PCF575
ST. PAUL GUARDIAN INSURANCE COMPANY
 01/15/2004 PCF701 12/05/2009
ST. PAUL MERCURY INSURANCE COMPANY
 05/17/1995 PCF576 06/09/2015
ST. PAUL PROTECTIVE INSURANCE COMPANY
 10/05/1998 PCF353 04/11/2003
THE STANDARD FIRE INSURANCE COMPANY
 04/12/1995 PCF584
STARNET INSURANCE COMPANY
 06/08/2020 PCF103936
STATE MUTUAL INSURANCE COMPANY
 05/23/2023 PCD102
TITAN INDEMNITY COMPANY
 02/02/1999 PCF38950 01/30/2004
TRANSCONTINENTAL INSURANCE COMPANY
 09/15/1995 PCF597 03/25/2004
TRANSPORTATION INSURANCE COMPANY
 09/15/1995 PCF601 04/09/2004
TRANSPORTATION INSURANCE COMPANY
 11/21/2008 PCF601
TRAVELERS CASUALTY AND SURETY COMPANY
 04/12/1995 PCF348
TRAVELERS CASUALTY AND SURETY COMPANY OF AMERICA
 04/12/1995 PCF974
TRAVELERS CASUALTY COMPANY OF CONNECTICUT
 06/06/2002 PCF31810 12/05/2009
TRAVELERS CASUALTY INSURANCE COMPANY OF AMERICA
 04/12/2006 PCF935
TRAVELERS COMMERCIAL INSURANCE COMPANY
 08/17/2009 PCF31811 06/30/2014
TRAVELERS CONSTITUTION STATE INSURANCE COMPANY
 12/02/1998 PCF53006 12/11/2003
THE TRAVELERS HOME AND MARINE INSURANCE COMPANY
 11/26/2007 PCF56556
THE TRAVELERS INDEMNITY COMPANY OF AMERICA
 08/07/1997 PCF585
THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT
 08/07/1997 PCF435
THE TRAVELERS INDEMNITY COMPANY
 08/06/1997 PCF602
TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA
 09/07/2004 PCF711
TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY
 06/06/2002 PCF31808 12/05/2009
TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY
 12/21/2009 PCF31808 06/30/2014
TRI STATE INSURANCE COMPANY OF MINNESOTA
 03/26/2014 PCF146321
TWIN CITY FIRE INSURANCE COMPANY
 09/04/1996 PCF963 01/26/2006
TWIN CITY FIRE INSURANCE COMPANY
 03/22/2006 PCF963 06/03/2009
UNION INSURANCE COMPANY
 06/18/2010 PCF141739
UNION MUTUAL FIRE INSURANCE COMPANY
 06/22/2004 PCF95 08/10/2015
UNITED FINANCIAL CASUALTY COMPANY
 12/11/2006 PCF61704 03/31/2012
UNITED OHIO INSURANCE COMPANY
 01/01/2013 PCF192494
UNITED STATES FIDELITY AND GUARANTY COMPANY
 01/15/2004 PCF608 12/05/2009
VALLEY FORGE INSURANCE COMPANY
 11/21/2008 PCF612
VERLAN FIRE INSURANCE COMPANY
 10/27/2010 PCF161934 10/28/2015
VERMONT ACCIDENT INSURANCE COMPANY INC
 05/23/2023 PCF883
VERMONT MUTUAL INSURANCE COMPANY
 10/26/2006 PCF37
VIGILANT INSURANCE COMPANY
 01/08/2010 PCF613
WAUSAU BUSINESS INSURANCE COMPANY
 03/24/2003 PCF47449 03/31/2015
WAUSAU UNDERWRITERS INSURANCE COMPANY
 03/24/2003 PCF833 08/31/2015
WESTCHESTER FIRE INSURANCE COMPANY
 04/01/2001 PCF335 01/01/2011
WESTCHESTER FIRE INSURANCE COMPANY
 11/18/2010 PCF177973
YORK INSURANCE COMPANY OF MAINE
 12/01/2001 PCF498 07/21/2016

Authority
Description Issue Date Termination Date Status
CASUALTY 02/28/1995 Active
PROPERTY 02/28/1995 Active

License/Disciplinary Action

None.

GENERAL INFORMATION

NAIC Information

National Producer Number (NPN):
3683108

CE Courses
Date Description Course Number Content Areas
03/14/2025 UNDERSTANDING SUBROGATION 26868
4
credits in General Education
Total:
4
03/10/2025 EPL: UNDERSTANDING THE EXPOSURES AND INSURANCE COVERAGE 24741
7
credits in General Education
Total:
7
03/07/2025 ADJUSTING SUSPICIOUS OR FRAUDULENT FIRE CLAIMS 22314
6
credits in General Education
Total:
6
03/03/2025 THE COLLISION LOSS - TOTAL OR REPAIR 24147
3
credits in General Education
Total:
3
02/28/2025 PROFESSIONAL EXCELLENCE THROUGH ETHICS AND VALUES 25679
3
credits in Ethics
Total:
3
02/20/2024 CYBER LIABILITY - REVISED 28431
1
credits in General Education
Total:
1

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: 05/13/2025 05:47:05 PM