Maine HVAC Workers Comp Rates (2026)
Maine does not publish its HVAC class figures online. Across the 26 states that do, the median typical premium is about $2.74 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 HVAC
- 5537: Heating, Ventilation, Air-Conditioning and Refrigeration Systems - Installation, Service and Repair & Drivers
- 5535 (Sheet Metal Work - Installation & Drivers)
- 5183 (Plumbing NOC & Drivers)
HVAC technicians work in attics and on roofs and handle electrical circuits and refrigerants.
What comp costs per hvac technician in Maine
The Bureau of Labor Statistics counts 2,250 heating, air conditioning, and refrigeration mechanics and installers on payrolls in Maine (May 2025), the 39th largest workforce among the 50 states and DC. The median wage is $30.37 an hour, 4% above the US median of $29.33.
This trade is a bigger part of the Maine job market than it is nationally: heating, air conditioning, and refrigeration mechanics and installers hold 1.3 times their national share of jobs there.
At the US median of $2.74 per $100 of payroll (Maine does not publish its figure online), comp on one worker at that wage costs about $0.83 for every hour worked, or $1,731 a year full time. A 2-person crew comes to roughly $3,462 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maine pay runs from $22.64 an hour at the 10th percentile to $39.47 at the 90th, so the same rate costs $0.62 an hour on a new hire and $1.08 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 HVAC comp bill
- Service techs and install crews usually share one class, so the rate is driven by your claim history: back strains from lifting condensers and falls from ladders and roofs are the typical losses.
- If you also do sheet-metal fabrication or duct work outside buildings, ask how your bureau classifies it. Some of that work rates differently from installation and service.
- Dispatchers, office staff, and outside salespeople can be rated as clerical or sales when their duties keep them out of the field. Keep their timesheets separate.
- Company vehicles put a lot of miles on service crews. A driving policy and clean MVRs help on the auto side and with comp, because vehicle accidents on the job are comp claims.