Maine Landscaping Workers Comp Rates (2026)
Maine does not publish its landscaping class figures online. Across the 25 states that do, the median typical premium is about $3.30 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 landscaping
- 0042: Landscape Gardening & Drivers
- 0106 (Tree Pruning, Spraying & Repairing)
- 6217 (Excavation NOC)
Landscaping carries equipment, lifting, heat and pesticide exposure risks. Tree pruning and trimming is a separate class (0106).
What comp costs per landscaper in Maine
The Bureau of Labor Statistics counts 6,410 landscaping and groundskeeping workers on payrolls in Maine (May 2025), the 38th largest workforce among the 50 states and DC. The median wage is $22.10 an hour, 17% above the US median of $18.82.
This trade is a bigger part of the Maine job market than it is nationally: landscaping and groundskeeping workers hold 1.6 times their national share of jobs there.
At the US median of $3.30 per $100 of payroll (Maine does not publish its figure online), comp on one worker at that wage costs about $0.73 for every hour worked, or $1,517 a year full time. A 3-person crew comes to roughly $4,551 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maine pay runs from $16.73 an hour at the 10th percentile to $27.70 at the 90th, so the same rate costs $0.55 an hour on a new hire and $0.91 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 landscaping comp bill
- Landscape gardening is a high-claim class because of mowers, trimmers, chainsaws, and lifting. Equipment training and guards that stay on the machines lower claims.
- Tree trimming above the ground is usually a separate class with a much higher rate. Keep that payroll apart, or the auditor may rate a whole crew at the tree rate.
- Snow plowing, hardscaping, and irrigation installs can each be classed differently. Tell your carrier what share of payroll goes to each.
- Landscaping payroll swings by season. Report the full-year figure at renewal so the audit does not bring a large bill in the off season.