Maine Coffee Shop businesses pay $60–$250/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Portland | $72–$300/mo | Compare → |
| Lewiston | $59–$245/mo | Compare → |
| Bangor | $57–$238/mo | Compare → |
| South Portland | $66–$275/mo | Compare → |
| Auburn | $57–$238/mo | Compare → |
| Cumberland County | $72–$300/mo | Compare → |
| York County | $66–$275/mo | Compare → |
| Penobscot County | $57–$238/mo | Compare → |
| Kennebec County | $57–$238/mo | Compare → |
| Androscoggin County | $59–$245/mo | Compare → |
Coffee Shop businesses in Maine typically pay $60–$250/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Maine requires workers' compensation for most employers with at least one employee. Coffee Shop businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Coffee Shop businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in Maine for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Coffee Shop policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Maine cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.