Maine Workmans Comp Insurance

  • Policies as low as $25/month
  • Get quote and policy issued online, right here, in under 5 mins
  • AM Best A (Excellent) rated carrier
  • Buy direct from us
  • No brokers involved
  • 70+ industries covered
  • No phone call or offline wait
  • 100+ years of experience selling insurance
  • Cerity is a wholly owned subsidiary of Employers Holdings
  • 100 price points used to deliver fair price

Protecting your team has never been easier

“Cerity is completely reinventing workmans compensation for small businesses.”

“Powered by a complex algorithm, Cerity’s proprietary pricing model provides tailored quotes that address the individual needs of business owners.”

“Kiss goodbye to the phone tag, tedious applications and endless wait times.”

Maine Businesses We Cover with Workmans Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Lawyers & Attorneys at Law, Court Reporters, Notaries and Transcription

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Personal Services

Hair Salons, Barber Shops, Interior Design Studios, Photography/Photofinishing, Nail Salons, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Bike Stores, Camera/Photo Supplies & Repair, Cell Phones & Cell Phone Repair, Computer Stores, Musical Instruments & Supply Stores, Tobacco/Vaping, and Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Construction Services

Architects & Drafting, Engineering, Surveyors (we do not cover contractors or trucking companies)

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Financial Services

Accounting, Auditors, Bookkeeping, Financial Advisors & Trust Companies,Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title and Title Insurance

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Scientific Services

Scientific, Technical, & Environmental Consulting

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Office, Home, & Garden

Beauty Supplies, Bookstores, Cosmetics, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Mailing/Packaging Stores, Model/Toy/Games Stores, Optical Goods Stores, and Perfume Stores

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Maine Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of Maine residents employed by small businesses


number of workplace injuries


acres of White Mountain National Forest


percent of U.S. lobster consumption

65 million

annual blueberry production

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.

Workmans Compensation for Maine Businesses

Workmans comp for the Pine Tree State

Maine’s economy is diverse and relies on many sectors. Construction has rebounded since the recession and permits are increasing each year. About 85,000 Mainers are employed in tourism, thanks to the mild summers and fall leaf peepers. Cruise ship revenue is critical for the Down East area, especially resort towns like Bar Harbor. Tourism and retail tend to be BFFs, so it’s no surprise that about 6% of the workers are in some variety of retail sales. The healthcare industry is seeing the most growth and has a high demand for psychiatrists.

Fresh blueberries and lobster are dietary staples in Maine and are responsible for most of the state’s agriculture. Here you’ll also find fresh, delicious apples in hundreds of varieties and gourmet maple syrup.

From the pick your own orchards to the boutiques in the quaint towns, Maine small businesses represent 99.3% of the companies. 145,536 small businesses employ 284,658 employees, or 56.9% of the work force.

Tourists flock to Maine to escape the summer heat and catch the magnificent leaf display and whale migration each fall. Spring visitors catch the waterfalls of spring runoff and might even see a moose. But really, fall is the prime season. See the leaves at Acadia National Park, the second most visited national park, and even catch your own lobster! It’s well-known that the best lobster is caught in months ending in -er. While you’re on the coast, be sure to scout the best sea glass beaches and hunt for your own unique souvenir. Watch for author Stephen King in Bangor and members of the Bush family around Kennebunkport. Great deals can be found at the L.L. Bean company store in Freeport, and be sure to catch the cryptozoology museum in Portland, dedicated to artifacts of yetis and lake monsters.

Purchase a Workmans comp quote policy online from Cerity and your business can be compliant with Maine Workmans comp law before you can finish a bowl of chowda and a Moxie. The area might have originally been settled by Ice Age hunters, but that doesn’t mean today’s employees aren’t going to slip on the mud tracked in from the parking lot. Your employees will appreciate the coverage when a moose investigates downtown looking for the perfect mate! Down Easters, Cerity has you covered!