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Get your business covered by Zenployers in the Pine Tree State
Maine Workers' Compensation
Maine is known for its amazing beaches, over 60 lighthouses, and of course the delicious Main Lobster. However, The Pine Tree State offers much more and is home to many small businesses and large corporate headquarters.
Maine’s business industry has really grown in recent years. The state is known for vast forests, rolling mountains, and scenic waterways. Major industries in Maine include agriculture, fisheries, shipbuilding, health care, and tourism. Support Enforcement & Recovery, Mainehealth, L.L. Bean, Idexx Laboratories, and Hannaford Supermarkets are all headquartered in Maine.
Small businesses in Maine employ more than 293,000 people. This accounts for 57% of the state’s private workforce, and with more than 22,600 workplace injuries and 20 fatalities across all industries in 2019, small businesses need to make sure they have workers; compensation insurance coverage.
Large businesses in Maine also self-insure and set aside funds that are dedicated to workers’ comp. Zenployers is a perfect match for this as well.
Some facts about Maine Workers' Compensation
WC Overview
Workers’ compensation is “no-fault”. It doesn’t even matter if an employee caused their own injury by being careless. If they are otherwise eligible, they are entitled to benefits unless they intentionally hurt themselves, they were intoxicated, or they committed fraud. Most employees need to be covered under workers’ compensation laws, but there are a few exceptions.
WC Exceptions
  • Sole proprietor
  • Business partner that owns 20% of the firm
  • Domestic employees in a private home
  • Employers of six or fewer agricultural or aquacultural laborers
  • Independent contractors
WC Coverage
  • Medical services
  • Ongoing care
  • Wage replacement
  • Disability benefits
  • Funeral costs
WC Payouts
Your workers’ comp insurance must pay for your employee’s medical treatment from day one for any work-related injury. Work-related illnesses are also covered under workers’ compensation law. Illnesses or conditions caused by exposure to harmful conditions (such as mold) or products (such as caustic chemicals) are all covered. If your employees are injured in this way at work in Maine, they may be entitled to benefits under workers’ compensation law.
Workplace injuries were in manufacturing fields
Workplace injuries were in Health care and Social assistance fields
Workplace injuries required time away from work
Want to see for yourself how Zenployers can improve your business in Maine and save you money? Get your quote in seconds!
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