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Maryland Workers Comp Rates

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Maryland Workers Comp Rates

Maryland workers' compensation rates continue to increase in 2018.

Workers Comp Rates in Maryland are cheaper than the national average. As of 2017 rates in Maryland were 12% lower than the national average, but pricing is only one factor in your Workers Comp purchase decision. You should be shopping multiple carriers because Service, Type of Coverage and Pricing are very competitive. We have the knowledge and expertise to find the best value for your Workers' Compensation Policy.

Our agents work with a web of more than 15 insurance providers just in the state of South Carolina. Because we have so many providers to choose from we are able to shop you policy around to get the best value for your business.

Don't be left paying more than you need to. Talk to an expert now about all the services we offer to help you save on your Workers Comp needs. 888-611-7467

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MD Rates for Select Work Comp Class Codes Workers Compensation Icon.

The workers' compensation rates listed below for Maryland represent the current insurance rates effective 2/1/17. Maryland is a competitive rating states and rates are regulated by the Maryland Workers' Compensation Board. Insurance companies may be able to offer discounts and credits up to 25% on all policies. We offer Pay As You Go coverage in Maryland. Not all businesses will qualify for the lowest work comp rates available or maximum policy credits.

Class Code

Low Rate High Rate

0042 Landscaping

$5.78 $7.70

3632 Machine Shop

$2.83 $3.77

3724 Garage Door Installation

$6.45 $7.59

3821 Salvage Yard

n/a $8.27

5022 Masonry

$9.14 $12.19

5102 Door & Window Installation

$7.25 $8.53

5183 Plumbing (Under $21/hr)

$3.05 $4.07

5190 Electrical Wiring (under $28/hr)

$3.90 $5.20

5221 Concrete Construction

$4.62 $6.16

5348 Tile Installation

$5.09 $6.78

5437 Carpentry/Trim

$8.75 $11.67

5474 Painting (Under $24/hr)

$3.65 $4.86

5478 Flooring Installation

$4.38 $5.84

5537 HVAC Installation and Repair

$4.94 $6.58

5645 Carpentry Noc. Residential Construction

$8.80 $11.73

7228 Short Haul Trucking

$10.42 $13.89

7605 Alarm Installation

$1.28 $1.70

8006 Gas Station

$1.51 $2.01

8017 Retail Store

$1.01 $1.34

8380 Auto Repair Shop

$2.90 $3.87

8742 Outside Sales Person

$0.35 $0.47

8810 Clerical-Noc

$0.24 $0.32

8832 Docotors Office

$0.37 $0.49

8835 Home Health Care

$1.73 $2.31

8842 Group Homes

$4.35 $5.80

9012 Building Operations by Owner

$1.82 $2.42

9014 Janitorial

$3.45 $4.60

9015 Building Operations By Contractor

$2.26 $3.01

9052 Hotel Emloyees

$2.45 $3.26

9082 Restaurant

$1.89 $2.52

9083 Restaurant Fast Food

$1.39 $1.64

9102 Lawn Care

$3.11 $4.14

9516 Electrical Equipment Service & Repair

$3.23 $4.31

Maryland rates vary by workers comp class codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers compensation loss experience. The Maryland State Fund is Chesapeake Employers Insurance Company (formerly called the Injured Workers Insurance Fund, or IWIF).

Maryland Injured Workers Insurance Fund (IWIF)

Maryland is an NCCI state and under the state jurisdiction of the National Council on Compensation Insurance (NCCI). Although the state administers its own program through Chesapeake Employers' Insurance Company (Formerly IWIF), employers seeking coverage have the option of buying coverage from any agent licensed to sell workers compensation insurance in Maryland or from the state fund.

Chesapeake Employers' Insurance Company serves as the state fund in Maryland. Even though Maryland uses a traditional 4-digit work comp class code system, Chesapeake uses it’s own interpretation of the standard NCCI class codes. Chesapeake also does not report payroll and loss information to the NCCI, making it difficult for other carriers to compete with Chesapeake Employers Insurance. State Fund rates are typically higher than coverage from a private insurance company. Also, states that do not have an existing state fund typically have less competition and higher rates.

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State Resources for Maryland

Maryland Workers' Compensation Commission

10 East Baltimore Street
Baltimore, MD 21202-1641

Chesapeake Employers' Insurance Company

8722 Loch Raven Blvd
Towson, MD 21286 - 2235
Maryland Injured Workers' Insurance Fund

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Maryland is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in MD. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our MD carriers.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Maryland Work Comp:   Maryland | MD Programs| MD Rates | MD Forms | MD Info | MD Quotes
Workers Compensation Agents Call Now for a Free Quote.

At Workers Compensation, we help Maryland Employers find the best deal on workers comp coverage. Give us three minutes and we'll tell you if we can help. If we can't help, we will give you our best advice on where to go next.

Give one of our Maryland workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Maryland Agency License: 2093341
National Producer Number: 5064979

Contact a Maryland Workmans Comp Specialist