Protect Your People, Strengthen Your Business

Workers’ Compensation Insurance in Southern Maryland

Support Your Team — Protect Your Business

Your employees are the heart of your business. Workers’ compensation insurance helps take care of them — and you — when workplace injuries or illnesses happen. It covers medical expenses, lost wages, rehabilitation costs, & more, while helping protect your business from costly lawsuits. Let’s make sure you’re fully covered with a plan that fits Maryland’s legal requirements & your company's needs.

What’s Covered by Workers’ Compensation Insurance?

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Medical Expenses

Covers hospital visits, surgeries, rehabilitation, and ongoing treatment.

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Lost Wages

Provides partial income replacement while employees recover.

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Disability Benefits

Support for employees who are temporarily or permanently disabled.

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Death Benefits

Assistance for surviving family members in the event of a workplace fatality.

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Employer Liability Protection

Helps protect your business if an employee files a lawsuit beyond basic coverage.

  • Is workers' comp insurance required in Maryland?

    Yes. Most Maryland businesses with one or more employees must carry workers' compensation insurance by law — even part-time workers.

  • What happens if I don’t have workers' comp coverage?

    Without proper coverage, you could face heavy fines, lawsuits, & state penalties. We’ll help you stay compliant & protected.

  • Does workers’ comp cover COVID-19 or other illnesses?

    In some cases, yes — if the illness can be proven to be work-related. We can explain how coverage works based on your business type.

  • Can I include workers' comp in a bundled business policy?

    Yes! Many businesses combine workers' comp with property & liability insurance under a Business Owners Policy (BOP) for simplicity.

  • How much does workers' comp insurance cost?

    Rates vary based on your industry, number of employees, payroll size, & claims history. We'll help you find competitive options from trusted carriers.

Workers’ Compensation FAQs

Protect Your Team & Your Future

When you take care of your people, you strengthen your business. Let’s create a workers’ compensation plan that supports your team & keeps you protected for the long haul.