How does workers' comp work in Maryland?

Workers' Compensation Rates in Maryland are pretty good, but there are many ways you can get better value out of your Workers Compensation Policy. Our agents specialize in Workers' Comp so they know every way to get the best value no matter your industry. There are numerous credits and deductions that not all business owners know about. Also there are several programs we offer to help a business with their cash-flow through out the year.

One program is Pay as Go Workers Compensation. This allows you to pay each month based on your payroll instead of estimating payroll for the entire year. This option prevents over or underpaying on your policy. Pay as You Go frees up lots of cash-flow for more immediate business needs.

Start a quote online in just a few minutes or call to speak with one of our agents to learn about all the ways we can help you with your Workers' Comp Coverage.

Workers' Comp Rules & Information for Maryland

Maryland Workers' Compensation Commission

10 East Baltimore Street
Baltimore, MD 21202-1641

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers' comp help my employee?

Employees benefit from workers' comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Contracting Classification Premium Adjustment Program.

This program is applicable to qualifying employers engaged in work with contractors. In order to qualify for the program, a policy must have more than 50% of manual premium attributable to one or more construction classifications and be experience rated.

How does workers' comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

Is an independent contractor classified as an employee?

If you answer yes to any of the following questions than an independent contractor is considered an employee and you must carry workers' comp coverage. Is the person paid hourly? Does the person perform work that regular employees of you rbusiness perform? Is all or a majority of the work that is the general nature of you rbusiness performed by contract labor? Do you Provide the material for the job?

State Insurance Directives Regarding Covid-19

MD “encourages” insurers doing business in MD to make “reasonable accommodations” so policyholders do not lose coverage due to non-payment of premium.  Maryland provides that “reasonable accommodations” may include suspension of premiums due, extension of billing due dates, waiver of installment and late fees.

Discretionary order in effect from 03/20/2020 until further notice.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Specialized Programs for Select Industries

We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.

Knowing the Maryland workers comp requirements can help lower the cost of coverage.

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Maryland Work Comp Information

Owner Coverage in Maryland

Sole proprietors and partners are automatically excluded from workers' comp coverage in Maryland, but may elect to be included on the policy. If included, the rating payroll used is to calculate premium for owners is at a salary of $51,900.00.

Corporate officers are included in coverage, but may elect to be exempt. If included, the minimum weekly payroll is at a minimum rate of $1,000.00 and a maximum of $4,000.00 per week.

Let Workers Compensation help your business navigate workers' comp insurance in Maryland.

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From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

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No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is known as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In today's world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly known as Stop Gap Coverage.

Workers' Comp Covers MD Employers from Injury Related Expenses & Lawsuits
Employers liability insurance is included under a workers' comp policy in most states.
  • Employers liability coverage is not included in all monopolistic states.
  • All NCCI and most other states' coverage includes employers liability insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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