Business Insurance in Baltimore, Maryland
Business insurance for Baltimore companies, from an independent brokerage. We compare options across our carrier markets and explain them in plain language.
Getting set up in Baltimore
- Business licenses. Baltimore business licenses are paid through the Circuit Court Clerk's Land Records and Licenses Division, with fees based on license type and inventory. The city separately licenses trades like street vending, towing and parking.
- Maryland home improvement license insurance. A Maryland Home Improvement Commission license requires proof of $50,000 of liability insurance with the application.
Local risks worth reviewing
- Tidal flooding. Much of Fells Point's flooding is tidal, and the area saw severe flooding in Hurricane Isabel in 2003.
State rules that apply here
Baltimore businesses follow Maryland's workers' compensation and auto insurance rules. See what Maryland law requires →
Common questions
Where do I get a business license in Baltimore?
Through the Circuit Court Clerk's Land Records and Licenses Division.
What insurance does a Maryland home improvement license require?
Proof of $50,000 of liability insurance with the application.
Does business insurance cover flooding in Baltimore?
Standard homeowners policies don't cover flood, and business property policies usually handle flood separately too. Flood coverage is generally its own policy, and new flood policies usually have a 30-day waiting period, so it's worth checking before storm season.
General information only, not legal advice. Coverage depends on the policy's terms, conditions and underwriting. Local details checked October 15, 2026 from: Baltimore City Circuit Court, Land Records and Licenses; Baltimore City, Business Licensing Division; Baltimore City, Fells Point Flood Mitigation Plan; Maryland Home Improvement Commission, License Requirements.