FAQ: Workers' Compensation Insurance in Maine

Maine workers’ compensation insurance provides wage replacement benefits and medical treatment for your employees who become injured or ill due to a work-related injury or sickness. This policy protects both the business owner and the employee.

In Maine, workers' compensation costs vary from industry to industry. They will be rated in a low to high range and will be assigned depending on your individual risk factors, job types, and claims history and experience. Here are some Maine workers' compensation rates (per $100 of employee payroll):

IndustryLow CostHigh Cost
Machine Shop$2.74$4.96
Garage Door Installation$2.53$4.55
Salvage Yard-Automobile Recycling$4.86$8.75
Masonry Construction$7.07$12.73
Door & Window Installers$5.43$9.77
Plumbing Contractors$3.39$6.10

Workers' compensation is required for all Maine businesses with one employee or more. Coverage must be obtained at least at the state minimum liability limits.

In Maine, workers' compensation will cover various items for your operation and staff. It pays for the medical expenses of an injured or ill employee as a result of that individual's job duties. Some of these include the following: 

  • Traumatic injuries
  • Repetitive injuries
  • Some mental or cognitive injuries
  • Occupational illnesses/diseases

Your Maine policy will come with exclusions, and workers' compensation insurance will not usually provide coverage for the following incidents:

  • Intentional injuries or illnesses
  • Injuries or illnesses sustained outside of work
  • Injuries or illnesses sustained while committing a crime
  • Injuries or illnesses sustained under the influence of drugs or alcohol

Some individuals, governments, and contracts may ask for evidence of insurance in order to do business with you. If you need a workers' compensation certificate, your local independent insurance agent can help you. 

When you're looking for workers' compensation insurance in Maine, an independent insurance agent can help. They have multiple carriers and coverage options that are affordable and competitive.

If you're a business owner in Maine who has to file a claim against your workers' compensation policy, then your employee's benefits will not be counted as taxable income. 

What are the Best Workers Compensation Companies in Maine?

National Average Cost of Workers' Compensation Insurance

Healthcare $1,825 Per $100,000 payroll

Retail Trade $2,850 Per $100,000 payroll

Construction $7,430 Per $100,000 payroll

Workers' Compensation Insurance Laws in Maine

In Maine, workers' compensation insurance is required for all business owners with just one employee. Coverage must be equivalent to the state minimum limits or more. If you're found without proper protection, you could be fined or worse.


Common Workers' Compensation Claims in Maine


The Top 5 industries with the most claims filed:

  1.  Construction
  2.  Transportation and warehousing
  3.  Manufacturing
  4. Crop farming
  5. Landscaping


The Top 7 most reported injuries:

  1. Violence and other injuries by persons or animals
  2. Transportation incidents
  3. Fires
  4. Falls, slips, and trips
  5. Exposure to harmful substances or environments
  6. Contact with objects and equipment
  7. Overexertion and bodily reaction


In one recent year, Maine saw 20 workplace fatalities.