Workers Comp Insurance in Maryland

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Maryland Workers Compensation Policy

As a business owner, keeping your employees safe isn't just good practice — it's the law. But even the most careful workplaces can't eliminate every risk. Accidents happen, no matter how many precautions you take.

That's where workers' compensation insurance comes in.

Workers' comp provides injured employees with payments for lost wages, medical care, and rehabilitation services — regardless of who was at fault. It's a safety net for your team and a shield for your business.

Why Workers' Compensation Matters for Your Business

• Legal protection: It helps protect your business from costly lawsuits related to workplace injuries.
• Financial security: Most states cap how much an injured employee can recover from an employer, helping you control financial risk.
• Compliance made simple: By law, most employers must provide coverage for medical expenses and lost wages resulting from work-related injuries or illnesses.
• Peace of mind for families: In the event of a fatal workplace accident, workers' comp also provides death benefits to surviving spouses and dependents.

Breakdown of Workers Comp

Injuries that may be covered by workers comp insurance include lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury, due to fires or explosions.

Workers Compensation Insurance may cover:

• Medical bills for employees hurt or sickened at work
• Ongoing care, including rehabilitation
• Wages missed while recovering
• Employee lawsuits over injuries
• Funeral expenses, if an employee is killed on the job
• Death benefits to support the deceased's family

It does not cover:

• Third-party lawsuits
• Lawsuits over professional errors
• Wages for a replacement worker
• Parental leave benefits
• OSHA penalties