Contractor Insurance
in Maine
Navigate Maine’s Unique Jobsite Hazards with the Right Insurance Coverage
From icy roads to strict jobsite regulations, Maine contractors face unique risks every day. At Affordable Contractors Insurance (ACI), we make it easy to get the right protection—fast. Whether you’re framing homes in Portland or managing plumbing projects in Bangor, we’ll help you meet state requirements and safeguard your crew, tools, and reputation.
Why Contractors in Maine Choose ACI
Local Expertise
We understand Maine’s license laws and regional risks
Fast Quotes
Get same-day certificates with zero phone tag
Affordable Rates
We shop multiple carriers to get you the best deal
Bundled Savings
Combine policies for streamlined protection
Insurance Coverage We Offer in Maine
We offer flexible, state-compliant insurance packages built for Maine contractors:
- General Liability Insurance
Protects against third-party claims for property damage, bodily injury, or legal defense costs—often required to get licensed.
- Workers’ Compensation Insurance
Covers medical bills and wage replacement if your employees get injured on the job. Mandatory in Maine for any business with one or more employees.
- Commercial Auto Insurance
If you use a vehicle for business—hauling tools, visiting sites—you’ll need commercial auto coverage. Maine law requires it for contractor vehicles.
- Tools & Equipment Insurance (Inland Marine)
Covers damage or theft of valuable gear, even when it’s in transit or stored off-site.
- Builder’s Risk Insurance
Protects your structure-in-progress from damage caused by fire, wind, vandalism, or severe weather during construction.
- Professional Liability Insurance
Also known as errors & omissions insurance, protects against claims of negligence, faulty advice, or missed deadlines.
Who We Cover in Maine
If you’re working in Maine’s construction industry, we’ve got a policy built for your trade. ACI insures:
- General Contractors
- Electricians
- Plumbers
- HVAC Technicians
- Roofers
No matter your specialty, ACI makes it easy to get insured and stay protected on every job in Maine.
How Much Does Contractor Insurance Cost in Maine?
Your insurance rate depends on your trade, number of employees, location, and policy limits. Here’s what affects your premium:
Cost Factors
- Type of Work
High-risk trades like roofing cost more than low-risk jobs
- Crew Size
More employees = higher workers’ comp costs
- Coverage Limits
Higher liability limits increase premiums
- Claims History
Fewer past claims usually mean lower rates
- Policy Deductibles
Lower deductibles = higher premiums, and vice versa
Sample Pricing for Maine Contractors:
- General Liability: Starting around $65/month
- Workers’ Comp: From $120/month (varies by payroll)
- Commercial Auto: Typically from $100–$250/month per vehicle
Get your exact rate with a quick, personalized quote tailored to your trade and coverage needs.
Maine Contractor Insurance Requirements
Below are the most common insurance mandates for Maine contractors. Keep in mind that rules may vary by city or license type.
General Liability Insurance
Required for most contractor licenses in Maine. Must show proof when applying or renewing a license.
Workers’ Compensation Insurance
Mandatory for any business with one or more employees—including part-time or family members. Covers medical costs and lost wages from job-related injuries.
Commercial Auto Insurance
Required for vehicles used for business. Maine mandates liability coverage for autos transporting tools, materials, or workers.
Requirements vary by trade and city. Always check with your local licensing authority or ask us for personalized guidance.
Get a Free Contractor Insurance Quote
in Maine
We make it easy to get state-compliant insurance built for Maine contractors—no hassle, just coverage that works.