Maine Fencing Workers Comp Rates (2026)
Maine does not publish its fencing class figures online. Across the 26 states that do, the median typical premium is about $3.27 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 fencing
- 6400: Fence Installation and Repair - Metal, Vinyl, Wood or Prefabricated Concrete Panel Fence Installed by Hand & Drivers
- 6217 (Excavation NOC)
- 5403 (Carpentry NOC)
Fence work carries hand tool injury, post-hole digger / auger risks, lifting, and underground utility strike risks. Chain-link work uses cutting tools with finger injury exposure.
What comp costs per fence installer in Maine
The Bureau of Labor Statistics counts 160 fence erectors on payrolls in Maine (May 2025), the 30th largest workforce of the 35 states with published figures. The median wage is $21.78 an hour, 6% below the US median of $23.07.
This trade is a bigger part of the Maine job market than it is nationally: fence erectors hold 1.6 times their national share of jobs there.
At the US median of $3.27 per $100 of payroll (Maine does not publish its figure online), comp on one worker at that wage costs about $0.71 for every hour worked, or $1,481 a year full time. A 3-person crew comes to roughly $4,444 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maine pay runs from $17.44 an hour at the 10th percentile to $29.00 at the 90th, so the same rate costs $0.57 an hour on a new hire and $0.95 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 fencing comp bill
- Fence erection rates sit above most interior trades because of post-hole augers, heavy material, and power tools. Auger training cuts the most serious claims.
- Fence crews often add decks, gates, or ornamental metal work, and those can rate in different classes. Tell your carrier what share of the work each represents.
- Seasonal crews and day labor are common in fencing. Every worker you pay counts at audit, so keep records for temporary hires.
- If you only sell and subcontract the installs, your own exposure is mostly sales and clerical, but only if every installer carries their own coverage.