Do I Need Workers Compensation Coverage?

The law requires almost all public and private employers to have workers' compensation coverage. The law defines employers as "private employers, public employers, water districts, other quasipublic corporations, municipal school committees, school union committees, and design professionals."

Other Maine Insurance FAQs

Q: Can An Insurer Scan Or Otherwise Copy The Maine Insurance Bureaus Application Forms For Producers, Agencies, Consultants And Adjusters So That The Forms Can Be Filled Out On The Computer?
A: Yes, application forms may be reproduced for use in Maine.
Q: Can An Applicant Submit Their Producer, Consultant, Adjuster, Or Agency Application Via E-Mail?
A: Yes, an application may be submitted via email as long as the hard copy of the application is also submitted later. In the future, the Bureau of Insurance expects … More
Q: Does An Adjuster Who Adjusts Claims For Several Insurers That Comprise A Group Of Affiliated Insurers Have To Be Licensed?
A: Title 24A MRSA § 1402 exempts "employees of insurers" from the definition of adjuster. The Bureau of Insurance has interpreted this exemption to include an … More
Q: May A Producer Or Agency Use A Post Office Box As A Business Address?
A: No, a producer or agency may not use a post office box as its business address. Applications will be considered incomplete if no physical address is listed. Effective … More
Q: Must A Licensed Producer, Adjuster, Or Consultant Report Disciplinary Actions Brought By Other Jurisdictions Or Criminal Convictions That Are Finalized After They File The Initial Application In Maine?
A: Yes, a producer, adjuster, or consultant is under a continuing obligation pursuant to Title 24A MRSA § 1419 to report within 30 days any material changes in … More
Q: How Much Time Does The Company Have To Pay My Claim?
A: Your insurance policy specifies the time within which your claim must be either paid or denied. Usually you are required to submit a "Proof of Loss" which documents … More
Q: Am I Required To Provide A Recorded Statement About The Claim?
A: Yes, your insurance policy requires you to cooperate with the insurer in the settlement of any claim. Many also require you to submit to an examination under oath.
Q: What Effect Will Repeated Cancellation For Nonpayment Have On My Ability To Find Coverage In The Future?
A: You could be refused coverage altogether, or insurers might require that you submit most or all of the premium in advance with a bank check or money order.
Q: What Are The Possible Effects Of Concealing Information From The Insurance Company?
A: You may jeopardize your coverage (a policy cancellation or nonrenewal could result) and payment for claims if the concealment is "material," meaning that it would … More
Q: Why Is The Insurance Company Not Returning All Of My Premium?
A: Depending on the type of policy, you may be required to pay a minimum premium, or the premium may be fully "earned." In other instances, if you replaced your coverage … More