Small-business cover in Maryland.
In Maryland, workers’ comp is required at Required for all employers with one or more employees (full-time or part-time)[S]Maryland workers' compensation threshold. Workers' compensation is required for virtually all Maryland employers from the first employee under the Maryland Workers' Compensation Act. Employers and employees cannot waive coverage provisions. Home-improvement contractors must be licensed by the Maryland Home Improvement Commission. Regulated by the Maryland Workers' Compensation Commission.
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Maryland starts with workers' compensation, required at Required for all employers with one or more employees (full-time or part-time), plus the general liability that most clients and licenses ask for before you can take a job.
What does Maryland require?
Required for all employers with one or more employees (full-time or part-time)[C]Maryland workers' compensation threshold
Workers' compensation is required for virtually all Maryland employers from the first employee under the Maryland Workers' Compensation Act. Employers and employees cannot waive coverage provisions. Home-improvement contractors must be licensed by the Maryland Home Improvement Commission. Regulated by the Maryland Workers' Compensation Commission.
What licensing and bonding does Maryland require?
- MHIC license required for residential home-improvement work
- First-employee workers' comp threshold