Workers Compensation

Maryland Workers Comp Rates

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Maryland Workers Comp Rates

Maryland workers' compensation rates continue to increase in 2019.

Workers Comp Rates in Maryland are cheaper than the national average. As of 2019 rates in Maryland were 12% lower than the national average, but averages are only one factor in your Workers Comp purchase decision. You should be shopping multiple carriers for better service, coverage limits and pricing. We have the knowledge and expertise to find the best value for your Workers' Compensation Policy.

Our Agency work with a large group of more than 35 insurance carriers just in the state of Maryland. Because we have so many providers to choose from, we are able to shop you policy to get the best value and rates for your business.

Don't be left paying more than you should. Talk to an expert now about all the services we offer to help you save on your Workers Comp needs. Call Now at 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 2/1/2019. 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 workers comp insurance in Maryland. Not all businesses will qualify for the lowest work comp rates available or maximum policy credits. Aour agency helps Maryland employers shop their rates with more carriers to ensure they find the lowest prices possible.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$1.45 $3.27

0042 Landscaping Service

$6.80 $7.77

0106 Tree Trimming- Pruning- Removal

$7.80 $7.80

0917 Residential Cleaning Service- Housekeepers

$2.79 $2.79

2121 Breweries- Craft Beers

$0.97 $0.97

2143 Winery- Wine Makers

$1.95 $1.95

2585 Carpet Cleaning

$2.63 $2.63

2589 Dry Cleaning and Laundry Service

$1.48 $1.48

3632 Machine Shop

$1.59 $1.59

3724 Garage Door Installation

$2.90 $2.90

3821 Salvage Yard- Automobile Recycling

$4.65 $4.65

5022 Masonry Construction

$5.27 $5.27

5102 Door and Window Installers

$4.54 $4.54

5183 Plumbing Contractors

$2.69 $2.69

5190 Electrical Work- Electrician

$2.37 $2.37

5221 Concrete Work- Flat Work Cement

$3.48 $3.48

5223 Pool Installation- Pool Maintenance

$6.42 $6.42

5348 Ceramic, Tile and Stone Work

$3.22 $3.22

5437 Trim- Finish Carpenters- Cabinets- Countertops

$4.76 $4.76

5445 Drywall Contractors

$5.84 $5.84

5474 Painting Contractor

$3.68 $3.68

5478 Floor Installers- Wood-Carpet-Laminate

$3.20 $3.20

5535 Metal Building Construction

$3.63 $3.63

5537 HVAC- Heating and Cooling Service/Repair

$2.80 $2.80

5537* Solar Energy Contractors- Installation

$2.80 $2.80

5551 Roofing Contractors

$8.51 $8.51

5606 Asphalt & Paving Work

$0.72 $0.72

5645 Residential Construction- Home Builders- Remodelers- Siding

$5.19 $5.19

6217 Excavation and Grading Work

$3.58 $3.58

6400 Fence Installation & Repair

$4.80 $4.80

7219 Trucking- Short Haul and Long Haul

$5.54 $5.54

7225 Towing Company

$4.99 $4.99

7230 Package and Parcel Delivery

$7.81 $7.81

7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle

$3.85 $3.85

7605 Alarm Installation and Repair

$1.31 $1.31

7720 Security Guards- Patrol Officers

$1.85 $1.85

8006 Gas Stations- Convenient Stores

$1.09 $1.09

8017 Retail Stores- Merchandise- Cannabis Dispensary

$0.91 $0.91

8292 Warehousing and Storage Facility

$2.34 $2.34

8380 Auto Service and Repair- Mechanic

$1.70 $1.70

8393 Auto Body Repair

$1.00 $1.00

8742 Sales Professional

$0.19 $0.19

8810 Clerical- Office Employee

$0.07 $0.07

8824 Retirement Living Centers- Congregate Communities

$1.49 $1.49

8829 Nursing Homes and Assisted Living Facilities

$1.29 $1.29

8831 Animal Shelters and Kennels- Veterinarian

$0.83 $0.83

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.18 $0.18

8835 Home Healthcare Workers

$1.24 $1.24

8842 Group Homes- Temporary Shelters- Disability Facility

$1.83 $1.83

8864 Social Service Organizations- Counseling- Family Services

$1.18 $1.18

8868 Religious Organization- Church- Temple

$0.21 $0.21

8869 Child Care Center- Daycare Providers

$0.49 $0.49

9012 Property Management- Leasing Agent

$0.49 $0.49

9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$1.71 $1.71

9015 Building Maintenance- Campgrounds- Camps- RV Parks

$1.69 $1.69

9052 Hotels and Motels

$1.10 $1.10

9060 Golf Courses and Country Clubs

$0.80 $0.80

9063 Fitness Center- Health Clubs- YMCA Programs

$0.44 $0.44

9082 Restaurants- Catering

$0.75 $0.75

9083 Fast Food Restaurant- Concessions- Doughnut Shop

$0.67 $0.67

9083* Mobile Food Truck- Food Cart-

$0.67 $0.67

9084 Bars-Taverns-Nightclubs

$0.83 $0.83

9102 Lawn Service and Maintenance

$1.67 $1.67

9180 Shooting Range- Amusement Park

$3.24 $3.24

9402 Septic Tank Cleaning- Portable Toilets

$3.72 $3.72

9403 Refuse Collection- Garbage- Trash Service

$5.80 $5.80

9516 Electrical Equipment Repair and Service

$2.24 $2.24

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). We help employers find our of state and multi-state workers compensation coverage.

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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Find Lower Workers Comp Rates

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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