Maine Electrical Workers Comp Rates (2026)
Maine does not publish its electrical class figures online. Across the 26 states that do, the median typical premium is about $1.90 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 electrical
- 5190: Electrical Wiring - Within Buildings
- 7538 (Electric Light or Power Line Construction & Drivers)
Electrical work carries shock, arc flash and fall hazards. Outside power line construction is a separate class, 7538.
What comp costs per electrician in Maine
The Bureau of Labor Statistics counts 3,780 electricians on payrolls in Maine (May 2025), the 40th largest workforce among the 50 states and DC. The median wage is $36.24 an hour, 19% above the US median of $30.38.
Electricians make up about the same share of Maine jobs as they do nationally (location quotient 1.21).
At the US median of $1.90 per $100 of payroll (Maine does not publish its figure online), comp on one worker at that wage costs about $0.69 for every hour worked, or $1,432 a year full time. A 2-person crew comes to roughly $2,864 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maine pay runs from $26.05 an hour at the 10th percentile to $55.63 at the 90th, so the same rate costs $0.49 an hour on a new hire and $1.06 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 electrical comp bill
- Electrical is one of the cheaper construction classes, so overstated payroll often costs more than the rate itself. Estimate payroll honestly at renewal and true it up at audit.
- Ladder falls and shocks are the typical claims. Lockout and tagout procedures that are actually followed are what keep the experience mod under 1.0.
- Low-voltage, alarm, and solar work can carry different class codes in some states. Ask your agent before you add those lines to the business.
- Office staff and estimators who stay out of the field can usually be rated as clerical. Keep their hours off the field timesheets.