Information on Maine Workers Compensation Insurance

Our emphasis on close attention to detail and focusing on the
"small print" in insurance policies really pays dividends when
you need to make a claim. We follow the claim through every
stage and make sure that the claim is paid fully, fairly and
promptly. We recognize that buying insurance involves a
promise and that it's our job to make sure that promise is
kept.

The strength and experience of our workers compensation
insurance market allows us to offer competitive premiums to
both large and small businesses throughout Maine. Forward
looking loss control services, including software to manage
claims and determine x-mods three months prior to renewal
has produced measureable savings to our clients with
significant workers compensation needs. Our decades of
experience in working closely with the insurance market
locally and nationally is focused on negotiating the best
possible terms and conditions for our client, with insurers
reputable and stable enough to honor their policy
commitments.

Maine Workers compensation insurance protects an
employer from liability for an accident involving an employee.
The insurance coverage pays benefits to your employees if
they are injured on the job. It will cover their medical bills, a
portion of lost wages, vocational rehabilitation, and death
benefits. The coverage amount is established by state law
and benefits don't vary from company to company within
the same state.

Maine workers compensation insurance covers all the
employees of the business. Special provisions must be made
if an employee works out of state. It may cover the business
owner if the business is a corporation and the owner is
actively involved in the business.

Employers of six or fewer agricultural or aquacultural
laborers, if the employer maintains employers' liability
insurance of at least $100,000 multiplied by the number of
employees and has at least $1,000 in medical payments
coverage.

Employers who have employees engaged in agriculture or
aquaculture as seasonal or casual laborers, if the employer
maintains at least $25,000 in employers' liability insurance,
with at least $1,000 in medical payments coverage.

Use written job descriptions that establish physical
requirements for each position when a large amount of
physical activity is required. Make these descriptions
available to the heath care provider treating an injured
employee.

Include upper management in the safety program.

Report injuries promptly to the insurance company.

Request summaries of losses on a regular basis.

Institute safety programs to include monthly safety
meetings with employees.

Initiate special programs for employees who have
received a back injury where they can work in light duty
or part-time job assignments until they are ready to
return to full-time duty.

Click on the link below to fill out a quote request form for
a Maine workers compensation insurance plan that
regardless of whether you're a large employer or a small
business, will provide exceptional Workers Comp
Insurance coverage for your business at an affordable
cost.. Or you can speak with our Maine Workers
Compensation Insurance specialist at 207-496-3661 to
discuss the policy features in more detail.

We are your local Aroostook County, Maine full-service insurance
agency, offering Maine Workers Comp Insurance plan services to
your business located in one of the following towns and counties:
Caribou, Presque Isle, Van Buren, Houlton, Perham, Washburn,
Crouseville, Mapleton, Fort Fairfield, Ashland, New Sweden,
Portage, Limestone, Mars Hill, Bridgewater, Easton, Blaine,
Guerette, Keegan, St. Agatha, Grand Isle, Fort Kent, Madawaska,
St. John, St. Francis, Dickey, Clayton Lake, Allagash, Winterville,
Knowles Corner, Smyrna Mills, Littleton, Ludlow, Millinocket,
Bangor, Waterville, Pittsfield, Augusta, Auburn, Lewiston, Bar
Harbor, Ellsworth, Belfast, Bucksport, Bath, Portland, Saco,
Biddeford, Penobscot County, Piscataquis County, Somerset
County, Washington County, and Cumberland County, ME.

For work-related injuries, designate your health care
professionals in advance. Maine law allows the employer
to select the injured worker's health care provider for the
first ten days after an injury happens.

Kieffer Insurance

101 High Street

Caribou, Maine 04736

Aroostook County, ME

(207) 496-3661

Fax: (207) 498-6012

Office Hours: 7:30 am to
5:00 pm, Mon - Fri