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Workers' Compensation

Workers' compensation is a state-mandated insurance coverage that is required, with very few exceptions, for every employer in Maine. The workers' compensation policy pays to workers injured in the course of employment, those benefits that are required by state statute; it also provides legal representation to the employer in the event that the injury or benefits are disputed by the employee.

Workers' compensation was developed out of the mutual desire of the employer and employee to avoid protracted, adversarial litigation in the event of workplace injury. Prior to the establishment of this type of insurance, an injured worker would have to sue his/her employer and prove negligence on the part of the employer in order to collect any benefits. On the employers' side, there was no limit to the amount of damages that could be awarded to the injured employee if the employer was determined to be negligent in causing the employee's injury. With the advent of workers' compensation, the employee traded his/her right to sue the employer (with its uncertain outcome) for a fixed benefit and the certain knowledge that the work-related medical bills would be paid and lost wages would be replaced. The employer traded possible defenses against a workplace injury (negligence on the part of the employee, for instance) for that fixed schedule of benefits and with that, the knowledge that the costs associated with workplace injuries could be ascertained in advance in the form of an insurance premium.

In broad terms, workers' compensation provides the following benefits to an injured employee and his/her family:

  • Payment of medical bills;
  • Ongoing care, included rehabilitation;
  • Payment of wages while the employee is out of work; and,
  • Compensation for permanent physical injuries that result from the workplace injury.

Workers' compensation premiums are determined by:

  • The class of business (rates vary by class, based on the hazards in the workplace)
  • The employer's payroll

 

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F: 866-274-0005
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Need to Make a Claim?

Acadia Insurance
800-244-9446

Allstate
Report Online
800-255-7828

Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559

Foremost Insurance Group
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800-527-3907

The Hanover Insurance Group
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800-628-0250

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Business Insurance: 800-327-3636

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MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)

Patriot Insurance Company
Report Online
866-460-1776

Patrons Insurance
800-542-7032

Peerless Insurance
800-522-7152

Philadelphia Insurance Companies
800-873-4552

Progressive
Report Online
800-776-4737

Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839

Union Mutual of Vermont
Report to GHM: 207-873-5101

Want to Pay a Bill?

Acadia Insurance 
Call GHM: 800-244-9046

Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

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