Construction Services Group Trust

SAfety without compromise

Workers' Compensation Self-Insurance

The Construction Services Group Trust (CST) consists of a group of employers from various trades within the construction industry to optimize the safety of their employees. Members of CST receive the best loss prevention and claims management services available while also minimizing their workers’ compensation costs.

CST is one of the most successful, cost effective providers of workers’ compensation coverage in Maine. Created to benefit the members and their employees– not insurance carriers, it is made up of 26 construction employers with approximately 1,600 employees. It has an enviable record of safety and lower costs.

The members work together to keep employees safe, reduce costs and maintain standards of excellence. Premiums are consistently below market and during the last 30 years CST has refunded over $23.1 million, which is approximately 26% of all premiums paid.

If world class safety for your employees and minimizing costs is of interest, consider joining this exceptional group of employers.

Why Workers' Compensation Group Self-Insurance?

  • Control and stability over your workers’ compensation program
  • Competitive pricing
  • Premium refunds
  • Long term approach to minimize cost and maximize benefits
  • Self-Insured employers represent nearly 42% of the overall WC market in Maine  (based on standard premium)
  • Dedicated Service Team for Loss Control
       – Customized Loss Prevention Programs
  • Dedicated Service Team for Claims Management
       – Aggressive Claims Management Programs
  • Dedicated Service Team for Administration/Underwriting
  • Access to numerous training programs
  • Access to on-line claims management system 24/7
  • Preferred candidates: Minimum $20,000 premium and
    modification factor under 1.25

The long-term Workers' Comp Solution

Construction Services Group Trust

Providing workers’ compensation protection since April 1993.

Who should join?

  1. Is safety part of your company culture?
  2. Are you passionate about providing a safe work environment that sends employees home happy and healthy at the end of each day?
  3. Do you want to reduce costs and maintain standards of excellence?
  4. Would you value association with leading Maine companies?

How is CST different?

  1. Our members don’t pay insurance companies, we pay ourselves.
  2. The best safety expertise and support team in the industry.
  3. A collaborative approach that saves money and keeps our employees safe.
  4. Long term focus and savings unmatched in the industry.

What our members say about us
The health and well-being of our team members is a top priority of ours, and for over 20 years we have been able to leverage the collective expertise of not only the dedicated staff of the group but also the other contractors within the group to bolster our safety program. Being part of this self-insured group has been nothing but beneficial for our company.
Ryan Booker, Treasurer
Hahnel Bros. Co. Lewiston & Bangor, ME
Safety is at the forefront of our operations as we goal our team to zero accidents in the field. Being part of the CST group has allowed Maine companies to share best practices across a variety of industries. The exceptional support from staff and partnering businesses has positioned the entire group to be safer and stronger as we grow, while realizing a significant cost savings in Workers’ Comp insurance.
Matthew Cote, Controller
Cote Crane & Rigging