Maine Workers Compensation Insurance-Workmans Compensation

Maine Workers Compensation Insurance Rules

Maine Workers Compensation

1. Does my Maine business need workers compensation insurance?

Yes, any business with one (1) or more employees must provide workers compensation insurance coverage.

2. In Maine is there any exemptions from carrying workers compensation insurance?

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.

3. Does Maine workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

You must fill out the proper form which you can find in the links below in order to be certified as an Independent Contractor.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

Maine Workers Compensation

Maine Workers Compensation Links

News and Legislative Updates
Maine Workers Comp. Title 39A
Archived Statutes Center
Maine Workers Compensation Forms
Maine Occupational Diseases Act