How does workers' comp work in Maine?

Maine partners with the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services. Maine uses NCCI to determine rates on workers' compensation coverage only. Not to administer the assigned risk for the state.

The assigned risk provider for the state of Maine is Maine Employers Mutual Insurance Company (MEMIC). MEMIC is a private company that serves as the guarantor of workers' compensation insurance for Maine companies. With its private structure, MEMIC serves as a competitive force within the workers' compensation insurance market. This prevents Maine employers from having even higher rates for coverage. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.

Workers' Comp Rules & Information for Maine

State Insurance Directives Regarding Covid-19

No current state law changes in Maine.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Maine Workers' Compensation Board

27 State House Station Map It
Augusta, ME 04333-0027
888-801-9087

State Fund May Pay Dividends

Maine employers can receive dividends from Maine Employers' Mutual Insurance Co. (MEMIC). The dividends will result from the states workplace safety program. These dividends are paid when their is surplus funds and can benefit more than 17,000 employers. Saving them an average of more than $1,000 per employer.

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Maine Employers Mutual Insurance Company (MEIC)

The assigned risk provider for the state of Maine is Maine Employers Mutual Insurance Company (MEIC). MEIC is a private mutual insurance company that opened for business in January 1993. MEMIC originated as part of the landmark 1992 reforms of Maine workers' compensation law passed by the Maine Legislature. MEMIC was started as a private company that would serve as the assigned risk provider and to compete with the open market in an attempt to drive down prices for Maine employers.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

Maine is an NCCI state

MEMIC is the assigned risk provider, but Maine also partners with the National Council on Compensation Insurance (NCCI) to determine rates for workers' compensation insurance. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. NCCI is the nation’s most experienced provider of workers compensation information, tools, and services.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Maine Work Comp Information

Maine Work Comp Penalties

Maine has some significant penalties for companies who fail to comply with mandatory coverage. Failure to provide proper coverage can be considered a Class D crime and subject to a civil penalty of up to $10,000 or an amount equal to 108% of the premium that should have been paid during the period the employer failed to secure coverage (whichever is larger).

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Maine.

What Does Workers' Compensation Insurance Cover?

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Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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