Business Insurance in Maryland
Coverage for Maryland businesses of every size and kind, from an independent brokerage. We compare options across our carrier markets and explain the choices in plain language.
What Maryland law requires
- Workers' compensation at one employee. With few exceptions, Maryland requires every employer with one or more employees to carry workers' compensation. The fine for going without it can reach $10,000, and officers with general management responsibility can be held personally liable. Deducting the premium from wages is a misdemeanor.
- Auto liability of at least 30/60/15, plus uninsured motorist. Vehicles need at least $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage, matching uninsured motorist limits, and at least $2,500 of personal injury protection must be offered.
- Penalties for lapses. The Motor Vehicle Administration charges a penalty for each day a registered vehicle goes uninsured.
Coverage Maryland businesses review most
- General liability. Covers claims that your business caused injury to someone or damage to their property.
- Business owner's policy. Property and liability in one package, a common fit for small and mid-size businesses.
- Property & equipment. Your building, equipment and inventory.
- Commercial auto. Vehicles used for work. Dealers, repair shops and truckers usually need garage or trucking forms instead.
- Workers' compensation. Required at one employee, with personal liability for responsible officers if it lapses.
- Professional liability. Claims tied to advice, services or mistakes in your professional work.
- Cyber liability. Data breaches, ransomware and the costs that follow.
- Umbrella & excess. Extra limits above your liability, auto and employer's liability policies.
Hard to place?
Been declined or non-renewed? We work with specialty and surplus lines markets for risks the standard market passes on. For auto, Maryland Auto Insurance covers residents turned down by at least two private insurers, so it pays to check the open market first.
City guides
Common questions
Do I need workers' comp in Maryland with one employee?
Yes. With few exceptions, Maryland requires it from the first employee, and the fine for going without can reach $10,000.
Can owners be personally liable for missing workers' comp in Maryland?
Yes. Officers with general management responsibility can be personally liable for the fine.
What auto liability does Maryland require?
At least $30,000 per person and $60,000 per accident for bodily injury and $15,000 for property damage, with matching uninsured motorist limits. At least $2,500 of PIP must be offered.
What if private insurers turn down my auto?
Specialty markets write many risks. Maryland Auto Insurance covers residents declined by at least two private insurers.
Do you only work with certain industries?
No. We place coverage for businesses of every kind, from new startups to established operations.
General information only, not legal advice. Coverage depends on the policy's terms, conditions and underwriting. State requirements checked October 15, 2026 from: Maryland Workers' Compensation Commission, Employer Q&A; Maryland Motor Vehicle Administration, Auto Insurance Requirements; Maryland Insurance Administration, Auto Insurance Guide.