Maine Flooring Workers Comp Rates (2026)
Maine does not publish its flooring class figures online. Across the 26 states that do, the median typical premium is about $2.94 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 flooring
- 5478: Floor Covering Installation - Resilient Flooring, Carpet and Laminate Flooring
- 5437 (Carpentry - Installation of Cabinet Work or Interior Trim, includes wood floor installation and sanding)
- 5348 (Tile, Stone, Mosaic or Terrazzo Work - Inside)
Flooring carries knee injury, back strain, silica dust from cutting tile or concrete, and adhesive vapor risks.
What comp costs per flooring installer in Maine
The Bureau of Labor Statistics counts 120 floor layers, except carpet, wood, and hard tiles on payrolls in Maine (May 2025), the 36th largest workforce of the 44 states with published figures. The median wage is $25.67 an hour, 5% below the US median of $27.15.
Floor layers, except carpet, wood, and hard tiles make up about the same share of Maine jobs as they do nationally (location quotient 1.21).
At the US median of $2.94 per $100 of payroll (Maine does not publish its figure online), comp on one worker at that wage costs about $0.75 for every hour worked, or $1,570 a year full time. A 2-person crew comes to roughly $3,140 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maine pay runs from $17.59 an hour at the 10th percentile to $34.75 at the 90th, so the same rate costs $0.52 an hour on a new hire and $1.02 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 flooring comp bill
- Floor installers file knee, back, and repetitive-strain claims more than falls. Kneepads and lifting aids are cheap ways to keep the experience mod down.
- Tile, hardwood, and carpet installation can be separate classes in some states. If your crews do several, record payroll by type of work.
- Many flooring shops pay installers by the square foot as 1099 subs. If they cannot show their own coverage, the auditor counts what you pay them as your payroll.
- Showroom and sales staff who do not install can usually be rated as sales or clerical when their duties are documented.