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Maryland’s leading contractors' insurance programs –

Contractors
Insurance

Maryland

Maryland

Contractors Insurance

Stop overpaying for coverage in the Old Line State!
A few minutes can save you up to 65% or more with Maryland’s leading contractors’ insurance programs –

Coverage for Maryland Contractors

With the uncertainty of facing day-to-day construction hazards, our Maryland Contractors' Insurance programs provide cost-effective risk coverage for projects, premises, products, or services claims -

Why do I need Contractors Insurance?

Contractors’ insurance protects against the financial risks present at all stages of business operations.

Plainly said, the Maryland construction industry is not only risky but inherently dangerous. A business where a simple mishap can result in catastrophic property damage. Hazardous tools and equipment, smoldering heat, falling from elevated surfaces, and electric shock can leave a distracted worker with serious injuries or ongoing health issues. Furthermore, an unexpected third-party lawsuit due to such an incident can completely wipe out a small business without proper coverage, leaving its vulnerable owners in financial ruin. Having either inadequate or no insurance is an avoidable risk that is not worth taking.

A formidable commercial insurance package will safeguard your business assets against the common risks of normal business operations at all hours of the day.

Protect Against the Unpredictable

Contractors of all trades are encouraged to visit their city, county, or state licensing authority to verify license and insurance prerequisites before the commencement of operations.

With service you can count on, our insurance pros are standing by to assist Maryland contractors with the necessary measures to transfer risks to a highly-rated commercial insurance carrier.

Our Recommended Products

General Liability


Maryland contractors’ general liability is a crucial component of a strong commercial insurance package.

A Maryland contractors’ general liability policy — also known as Maryland contractors’ liability insurance — shields companies from third-party claims due to daily business operations.

Maryland contractors’ general liability insurance provides important coverage for:

  • Business Liability
  • Contractual Liability
  • Products Liability
  • Defense Costs
  • And More

Workers' Comp


Maryland contractors’ workers’ comp benefits employees who suffer harm caused by an “accidental personal injury arising out of and in the course of employment.”

A Maryland contractors’ workers’ comp policy provides:

  • Disability Benefits
  • Medical/Hospitalization Benefits
  • Wage Reimbursement Benefits
  • Vocational Rehabilitation Benefits
  • Death Benefits

Employers failing to carry Maryland contractors’ workers’ comp insurance may be subject to fines and penalties.

Please visit the Maryland Workers’ Compensation Commission to verify specific employer rules, regulations, and insurance prerequisites.

Surety Bonds


Maryland contractor bonds are consumer risk protection products that a bondholder will comply with the terms outlined in an awarded bid.

Various job owners require a Maryland contractors’ surety bond to bid on a residential or commercial construction project.

Certain contractors may be required to post a Maryland Home Improvement Contractor Bond as a state prerequisite.

Please visit the Maryland Home Improvement Commission (MHIC) to verify Maryland contractors’ surety bond requirements, rules, and regulations.

Commercial Auto


Maryland contractors’ commercial auto insurance protects against financial liability for damages involving business vehicles and occupants injured in an accident.

A Maryland contractors’ commercial auto policy protects business vehicles damaged from accidents, theft, or vandalism.

Maryland contractors’ commercial auto insurance covers:

  • Bodily Injury
  • Property Damage
  • Comprehensive Damage
  • Collision Damage
  • Uninsured Motorist
  • Underinsured Motorist
  • Hired & Non-Owned Vehicles
  • Medical Payments
  • And More

Inland Marine


A Maryland contractor inland marine policy provides essential property coverage for tools, products, materials, and equipment at a job site, transported, or stored at an off-site location.

Maryland contractors’ tools and equipment insurance covers “installation” risks, theft, lost items, vandalism, equipment breakage, and damaged leased or rented equipment.

Maryland contractors’ tool and equipment insurance provides coverage for such common perils:

  • Wind Damage
  • Hail Damage
  • Fire Damage
  • Water Damage

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