Maine Concrete Workers Comp Rates (2026)
Maine does not publish its concrete class figures online. Across the 26 states that do, the median typical premium is about $3.84 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Maine figure.
No official Maine figure is available online, so the numbers below use the US median of the states that publish one.
Maine class code for concrete
- 5213: Concrete Construction NOC
- 5215 (Concrete Work - Incidental to the Construction of Private Residence)
- 5221 (Concrete or Cement Work - Floors, Driveways, Yards or Sidewalks & Drivers)
Concrete work involves heavy lifting, silica dust from cutting and grinding, skin burns from wet cement, and equipment hazards from mixers, vibrators and pumps.
What comp costs per concrete finisher in Maine
The Bureau of Labor Statistics counts 730 cement masons and concrete finishers on payrolls in Maine (May 2025), the 42nd largest workforce among the 50 states and DC. The median wage is $26.77 an hour, 2% below the US median of $27.41.
Cement masons and concrete finishers make up about the same share of Maine jobs as they do nationally (location quotient 0.86).
At the US median of $3.84 per $100 of payroll (Maine does not publish its figure online), comp on one worker at that wage costs about $1.03 for every hour worked, or $2,138 a year full time. A 4-person crew comes to roughly $8,553 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maine pay runs from $18.44 an hour at the 10th percentile to $36.24 at the 90th, so the same rate costs $0.71 an hour on a new hire and $1.39 on a senior hand.
Workers comp requirements in Maine
- Coverage required: 1 employee
- Owners and sole proprietors: Owners of 20%+ may waive in writing; LLC members opt out without a written waiver
- State fund: Private market; MEMIC (employer-owned mutual) is the residual carrier
- Waiting period: 7 days; retroactive if incapacity exceeds 14 days
- Penalty for going without: Knowing failure is a Class D crime; civil penalty up to $10,000 or 108% of the avoided premium
Maine's entire residual market runs through one employer-owned mutual, MEMIC, created after the state's early-1990s coverage crisis.
What moves a concrete comp bill
- Concrete classes depend on the work: flatwork and driveways often rate differently from foundations and structural pours. Getting the class right is the first saving.
- Back and crush injuries from forms, rebar, and pump hoses drive claims. A short pre-pour safety check on every job helps your mod over three years.
- Concrete crews often hire short-term labor during the pour season. Every worker you pay counts at audit, so keep clean payroll records for temporary hires.
- Owner-operators who pour alone can often exclude themselves; the rules vary by state, so check before you skip coverage.