State regulatory desk

Small-business cover in Maryland.

Workers’ comp threshold in Maryland: Required for all employers with one or more employees (full-time or part-time)^[S].

Updated 2026-05-16 · Beaconcover editorial

The short answer: In Maryland, workers' compensation is required for all employers with one or more employees (full-time or part-time). Most clients and licenses also ask for general liability before you can take a job.

§ 01

Workers' comp

What does Maryland require?

MD threshold

Required for all employers with one or more employees (full-time or part-time)^[C]

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.

§ 02

Licensing & bonding

What licensing and bonding does Maryland require?

MHIC license required for residential home-improvement work
First-employee workers' comp threshold

§ 03

Maryland by trade