Business Insurance in Maryland

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What are the requirements for small business insurance in Maryland?

State laws can affect which insurance policies you need for your small business. These policies are required for Maryland businesses.
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Workers' compensation insurance

Barring a few exceptions, every employer with one or more employees, full-time or part-time, is required by law to provide workers' compensation insurance in Maryland. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Maryland must be covered by commercial auto insurance. Maryland requires a minimum of $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Maryland

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Maryland business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Maryland business insurance

In Maryland, insurance agents, agencies, and brokers are licensed by the Maryland Insurance Administration. Insureon is licensed in Maryland as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 100040465).

Verify our licensure with the National Association of Insurance Commissioners: select Maryland, licensee, business entity, and then enter our NPN or license number.

What our customers are saying
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