Here we cover the specific state laws and requirements for small business employers and their Maryland Workers’ Comp Insurance requirements.  WorkersComp4SmallBusiness is pleased to assist in meeting these requirements.

First, who needs to be covered by Workers’ Comp coverage?   Second, where can you get it?  Finally, how much does it cost?  All of this is covered by state law.

Additionally, are you headquartered or based in one state, but have employees working, or transiting on the clock, to or through another state to perform work? The Workers’ Compensation laws in THAT or THOSE states will also determine coverage requirements. Further, if your employees are working in more than one state, you will need coverage in each state.

Small Business Employers in the state of Maryland, or doing business in the state, who have one or more employees must carry Workers’ Compensation Insurance to meet their Maryland Workers’ Comp obligations.

Also, if you are an independent contractor, you may not be covered by the hiring business’ Workers’ Comp coverage. As a result, you may need to purchase your own Workers’ Compensation Insurance policy.

Most subcontractors and independent contractors are sole proprietors or partnerships. Unless they are an employee, they will not be covered by their insurance policy, and they may need proof of workers comp insurance.

Are they an independent contractor or an employee? Great Question. Let’s get some idea.

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