What Workers’ Compensation Insurance Requirements Apply in Maine?

Maine generally requires every private employer, including an independent contractor who hires and pays employees, to secure compensation for all employees. Some agricultural and aquacultural employers may be exempt only if they maintain the specified employers’ liability and medical-payments coverage and meet the statute’s labor-count or hours limits.

What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. Read the national Workers’ compensation guide.

What to Watch for With Workers’ Compensation in Maine

The Rule Reaches Nearly All Public and Private Employers
The Bureau of Insurance says Maine requires almost all public and private employers to carry coverage, and §401 expressly includes a contractor who hires and pays employees. Before excluding a worker because the business is small, identify an actual statutory exception. ^1,³
Some Farm Exceptions Require Separate Liability Coverage
A qualifying agricultural or aquacultural employer may be exempt only with prescribed employers’ liability limits and at least $5,000 medical-payments coverage; the allowed worker count or weekly hours also matters. Ask your broker to document both the comp exemption and substitute policy limits. ³
Domestic Service Has Its Own Exception
Section 401 excludes employers of domestic-service employees from the coverage duty for those workers. If household staff also perform work in a business, ask the broker to classify the duties before removing them from the policy. ³
Confirm the Employer and Policy Dates
Maine’s Coverage Unit researches policy history and offers an employer coverage verification link. Obtain the legal employer name and effective dates for a hired contractor rather than relying on a certificate without matching it to the work period. ²

Which Workers’ Compensation Providers Have Maine License Records?

These providers publish a national listing for Workers’ compensation; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Maine. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹²
Corgi lists workers’ compensation insurance.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹⁴
ERGO NEXT offers workers’ compensation insurance for small businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹³
Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁵
TechInsurance arranges workers’ compensation insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁶
Vouch lists workers’ compensation among core coverages for technology companies.

Who Regulates Insurance in Maine?

Maine Bureau of Insurance

The Maine Bureau of Insurance licenses producers and companies, enforces Maine insurance laws, and investigates property and casualty complaints including commercial coverage complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-300-5000

Surplus-Lines Tax and Stamping Office in Maine

Reported tax rate. 3% of gross direct premium when Maine is the insured's home state ^7,^8,⁹

Maine charges 3% of gross direct premium when it is the insured's home state; your broker handles the tax and may include it with the premium. Surplus-lines policies are outside Maine guaranty-association protection. Maine generally requires a diligent search, with an exempt-commercial-purchaser exception requiring broker disclosure and the purchaser's written request.

Questions to Ask Before You Buy Workers’ Compensation in Maine

Do our agricultural headcount and weekly hours meet a statutory exception, and do we carry the substitute limits?
Are any household employees also performing work for our business?
Can we confirm this subcontractor’s exact policy dates with the Maine Coverage Unit?

Workers’ Compensation Insurance in Maine: Frequently Asked Questions

Do most Maine employers need workers’ comp?

Yes. The Maine Bureau of Insurance says almost all public and private employers must have coverage; limited exceptions are set by statute. ¹

Can a Maine farm employer use an exception instead of workers’ comp?

Some agricultural or aquacultural employers can, but the statute requires specific employers’ liability and medical-payments coverage plus qualifying worker-count or hours limits. ³

Sources for Workers’ Compensation Insurance in Maine

1
Workers’ Compensation FAQs. Maine Bureau of Insurance; Coverage FAQ says almost all public and private employers need coverage; small-business options; current page accessed 2026-09-28. Accessed 2026-09-28.
2
Insurance Coverage Verification. Maine Workers’ Compensation Board; Coverage Unit confirms Maine coverage is mandatory and provides employer policy verification; accessed 2026-09-28. Accessed 2026-09-28.
3
Title 39-A §401, Liability of employer. Maine Legislature; §401(1)(A)–(C) domestic, seasonal/casual farm and limited farm exclusions; accessed 2026-09-28. Accessed 2026-09-28.
4
Maine Bureau of Insurance. Maine Bureau of Insurance; Homepage and commercial insurance resources. Accessed 2026-09-28.
5
Insurance License Lookup. Maine Bureau of Insurance; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Maine Bureau of Insurance; State complaint process and contact. Accessed 2026-09-28.
7
36 M.R.S. §2531. Maine Legislature; 36 M.R.S. §2531(1)-(2), current page: home-state basis; 3% tax; producer pays on chapter 19 surplus lines. Accessed 2026-09-28.
8
24-A M.R.S. §4433. Maine Legislature; Surplus-lines contracts excluded from guaranty association. Accessed 2026-09-28.
9
24-A M.R.S. §2002-A. Maine Legislature; ECP disclosure and written-request procedure. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
12
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
13
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
14
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
15
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
16
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Workers’ Compensation Insurance Requirements Apply in Maine?

What Is Workers’ Compensation Insurance?

What to Watch for With Workers’ Compensation in Maine

The Rule Reaches Nearly All Public and Private Employers

Some Farm Exceptions Require Separate Liability Coverage

Domestic Service Has Its Own Exception

Confirm the Employer and Policy Dates

Which Workers’ Compensation Providers Have Maine License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch