An Act To Enable the Maine Employers' Mutual Insurance Company To }Jetter Serve the Needs of All Employers
Maine Legislature, Session 124, LD 0606
Committee: Insurance and Financial Services
Sponsors: ALFOND, RICHARDSON, BOWMAN

MAINE STATE LEGISLATURE 
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" " ST.ATE LA\IIJ LIBRARY 
AUGUSTA, M:::.. 
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124thMAINE LEGISLATURE 
Legislative Document 
No. 606 
S.P.221 
In Senate, February 17,2009 
An Act To Enable the Maine Employers' Mutual Insurance 
Company To }Jetter Serve the Needs of All Employers 
Reference to the Committee on Insurance and Financial Services suggested and ordered 
printed. 
Presented by Senator ALFOND of Cumberland. 
Cosponsored by Representative RICHARDSON of Warren and 
Senators: BOWMAN of York, McCORMICK of Kennebec. 
Printed on recycled. paper 
9tf)(J~ 
JOY J. O'BRIEN 
Secretary of the Senate 
Be it enacted by tbe People of tbe State of Maine as follows: 
Sec. 1. 24-A MRS A §3703, sub-§l, as amended by PL 2007, c. 125, §1, is 
further amended to read: 
1. Workers' compensation. The,company shall provide workers' compensation 
insurance and employers' liability insurance incidental to and written in connection with 
workers' compensation coverage to employers in this State. The company may provide 
employment practices liability insurance incidental to and written in Qonnection with 
workers' compensation coverage for employers ','lith an average 0[-100 or fev/er 
employees if the employment practices liability insurance is provided as an endorsement 
to workers' compensation coverage approved by the superintendent and is provided under 
terms and condi~ions, including reinsurance protection, approved by the superintendent. 
Rates for employment practices liability insurance are subjc;;ct to chapter 25. 
The 
company may not write other lines of insurance. The company may reinsure workers' 
compensation and employers' liability insurance written by other insurers that ar~ 
covering out-of-state employees of Maine-based employers that are insured by the 
company. For the purpose of providing insurance to Maine-based employers operating in 
other states, the company may apply to appropriate regulatory authorities in those. states 
for authority to write workers' compensation, employers' liability and employment 
practices liability insurance for Maine-based employers' operations in those. states. The 
company may form or acquire subsidiary insurers in other states that are authorized to 
write only workers' compensation insurance, employers' liability insurance and 
employment practices liability insurance a~ long as such coverage is incidental to and 
written in connection with workers' compensation coverage. The superintendent may 
authorize a subsidiary insurer formed or acquired by the company to write workers' 
compensation, employers' liabl1ityand employment· practices liability insurance in this . 
State as long as such coverage is incidental'to and written in cOlinection with coverage in 
the state in which the insured's principal place of business is located. The superintendent 
may riot authorize a subsidiary insurer formed or acquired by the company to write any 
other line of insurance in this State. 
SUMMARY 
Current law permits the Maine Employers' Mutual Insurance Company to offer 
. employment practices liability insurance to ifs policyholders that have ari average of 100 
or fewer employees. This bill removes that·lirnitationand allows the company to offer 
that insurance to its policyholders . regardless of the number of employees employed by 
the policyholder. 
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