Maine

Any business with one or more employees must provide Maine workers compensation insurance coverage.

Sole Proprietors, spouses and children of business owners and corporate officers are exempt from mandatory workers compensation insurance. Shareholders with 20% or more equity in the business may elect to exempt themselves from workers compensation coverage. Exemptions also exist for seasonal or casual agricultural employees and for private domestic servants.

You must fill out the proper form (to which you can find in the links below) in order to be certified as an independent contractor. Employers maintain the choice to be self-insured, or to provide insurance through a licensed insurer.

If it is found after investigation that a violation of Maine workers compensation law has occurred, an order to assess penalties will take place and the fines and penalties will be determined as such.