Workers' Compensation by state

Workers' compensation requirements in Maryland

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Direct answer

Does Maryland require workers' compensation insurance?

Yes. Maryland requires workers' compensation coverage once a business has one or more employees, under the Maryland Workers' Compensation Act. Maryland requires employers with one or more employees, including part-time and seasonal workers, to carry workers' compensation coverage. Coverage can be secured from private insurers, an approved self-insurance program, or the Chesapeake Employers' Insurance Company.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Maryland requires employers with one or more employees, including part-time and seasonal workers, to carry workers' compensation coverage. Coverage can be secured from private insurers, an approved self-insurance program, or the Chesapeake Employers' Insurance Company.

Coverage trigger: One or more employees
If you go without coverage: Failing to provide required coverage can bring fines, and the Uninsured Employers' Fund may pursue reimbursement from the employer for benefits paid.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and partners with no employees
Certain agricultural employers below statutory employee or wage thresholds
Some domestic workers earning below the statutory quarterly wage

Statutes and sources

Maryland Workers' Compensation Act

Md. Code Ann., Lab. & Empl. sect. 9-101 et seq.

Regulator: Maryland Workers' Compensation Commission . Last verified 2026-07-29 from the official source .

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