Maryland requires employers to carry workers compensation insurance for all employees. Whether you run a small business in Baltimore or a contracting company on the Eastern Shore, coverage is mandatory.
Maryland Workers Comp Requirements
The Maryland Workers Compensation Act requires virtually all employers to carry coverage for their employees, including part-time and seasonal workers. Sole proprietors and partners may elect to include themselves. Corporate officers are covered automatically unless they choose to be excluded.
The Maryland Workers Compensation Commission
The Maryland Workers Compensation Commission oversees the system, resolves disputes, and enforces employer compliance. Employers without required coverage face civil and criminal penalties, including fines and personal liability for employee injury costs.
Workers Comp Rates in Maryland
Maryland uses the class code and experience modifier system standard across most states. Rates depend on the nature of your business operations and your claims history. Shopping multiple private carriers through an independent agent typically yields the most competitive pricing.
Get a Free Maryland Workers Comp Quote
Comp Matters Inc. writes workers comp for Maryland employers across all industries. Call (631) 248-2500 for a free quote today.
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