When safeguarding your employees and your business, having the right workers compensation insurance isn’t just a wise decision—it’s essential. At Sevigney Lyons Insurance Agency, we understand that every business in Maine, whether you’re based in Wells, Kennebunk, Ogunquit, or Biddeford, faces unique challenges. That’s why we offer customized workers compensation insurance solutions to fit your needs, industry, and budget.
As a business owner, your employees are your most valuable asset. Workers compensation insurance ensures they’re protected if they suffer a work-related injury or illness. From covering medical expenses to providing wage replacement, this coverage offers peace of mind for you and your team. And it’s not just about being prepared for the unexpected—it’s also about compliance. In Maine, most businesses are legally required to carry workers compensation insurance.
Without it, you risk penalties, lawsuits, and financial strain that could jeopardize your business. With Sevigney Lyons Insurance Agency by your side, you can focus on growing your business, knowing you’re covered if the unexpected happens.
When you purchase workers compensation insurance from Sevigney Lyons Insurance Agency, you can expect coverage that includes:
Whether you run a bustling restaurant in Kennebunk or manage a retail store in Biddeford, our policies are designed to give you and your employees the protection you deserve.
If you’re a business owner in Maine, you’re likely required to carry workers compensation insurance. This applies to:
At Sevigney Lyons Insurance Agency, we can help you determine your specific obligations and ensure you have the coverage you need to stay compliant.
Here at Sevigney Lyons Insurance Agency, we’ve been helping businesses across Maine navigate the complexities of insurance for years. Our local roots in Wells mean we understand the unique needs of businesses in this area, including Kennebunk, Ogunquit, and Biddeford. When you choose us, you’re not just getting a policy—you’re getting a partner who genuinely cares about your success.
Here’s what sets us apart:
Yes, Maine law requires most employers with one or more employees to carry workers’ compensation insurance to cover job-related injuries or illnesses.
It covers medical expenses, lost wages, disability benefits, and rehabilitation costs for employees injured or made ill due to work-related activities.
No, independent contractors are generally not required to have coverage, but employers should verify worker classifications to avoid penalties.
Rates depend on industry risk classifications, company claims history, payroll size, and safety measures in place at the workplace.
Employees should report the injury immediately, seek medical attention, and notify their employer, who must file a First Report of Injury with the insurer.
Yes, failing to carry required coverage can result in fines, legal action, and liability for medical and wage replacement costs for injured employees.
Employers can reduce costs by implementing workplace safety programs, maintaining a good claims history, and working with an experienced insurance provider to find the best rates.
When you choose a local agency like Sevigney Lyons, you’re getting more than just an insurance policy. You’re getting a team of neighbors who understand the unique needs of Maine businesses. We’re here when you need us—whether it’s to file a claim, adjust your coverage, or simply answer a question.
Our proximity to towns like Wells, Kennebunk, Ogunquit, and Biddeford means we’re deeply familiar with the challenges businesses in these areas face. Whether it’s understanding seasonal fluctuations or navigating state-specific regulations, we’ve got your back.
Your employees deserve to feel safe, and your business deserves to thrive without the worry of unexpected costs. Let Sevigney Lyons Insurance Agency help you navigate the complexities of workers compensation insurance and find the perfect policy for your needs.
Whether you’re in Wells, Kennebunk, Ogunquit, Biddeford, or anywhere in Maine, we’re here to help. Contact us today for a free, no-obligation quote. Give us a call or fill out our simple online form to get started. Let’s protect your business together. Get Workers Compensation Insurance Coverage Today!
