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Barring a few exceptions, every employer with one or more employees is required by law to provide Workers' Compensation Insurance in Maryland. Agricultural employers with three or more full-time employees or a yearly payroll for full-time employees of $15,000 must also carry coverage. Additionally, any domestic worker whose earnings are $750 or more in any calendar quarter from a private household must be covered.

MD Workers' Comp: Key Details

  • Sole proprietors are excluded from compulsory Workers' Comp coverage, but can include themselves in their policy if they complete Maryland's Sole Proprietor Status as a Covered Employee Form.
  • Some employees who do not require coverage are…
    • Agricultural office workers.
    • Independent contractors on farms, other than migrant workers.
    • Owner-operators of large tractor-trailer vehicles.
  • You may purchase coverage through Maryland's Injured Workers Insurance Fund, which operates in competition with private insurers in the state. Self-insurance is permitted, as well as purchasing coverage through private carriers. 

Find more details about Workers' Compensation requirements in Maryland from the state's Workers' Compensation Commission.

Workers' Compensation Insurance Laws By State