Employment Practices Liability in Maryland

For Maryland claims under the Fair Employment Practices Act, ordinary employment discrimination generally uses a 15-employee threshold and a 300-day Maryland Commission filing window. Harassment has a separate one-employee threshold and a two-year commission filing window, so identify the allegation and route promptly; neither deadline sets your policy's notice period. ^1,²

What Is Employment Practices Liability?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. Read the national Employment practices liability guide.

What to Watch for in Maryland

Count weeks and allegation type
Maryland's employer definition generally uses 15 or more employees on each working day in 20 or more calendar weeks in the current or preceding year. For a harassment complaint, the threshold is one employee for the same number of weeks. The count can change which CFEPA route applies. ¹
Do not use one intake deadline for every allegation
The Maryland Commission on Civil Rights filing period is generally 300 days for employment discrimination other than harassment, and two years for harassment against an employer. Keep the actual policy's notice deadline separate from these statutory filing windows. ²
A commission complaint is written and sworn
The statute calls for a written complaint signed under oath and describing the respondent and particulars. Preserve the first demand, agency papers, and dates, then ask counsel and the broker how the policy treats that specific document and when notice is due. ²

Who Regulates Insurance in Maryland

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Surplus-lines tax and stamping office

Reported tax rate: 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies. ^6,⁷

Providers With Documented State Licenses

These providers publish a national listing for Employment practices liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Maryland. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ⁹
CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹³
VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁴

Questions to Ask Before You Buy in Maryland

How does the policy define a claim, including an internal complaint, agency charge, or written demand, and what is the earliest notice deadline?
Who can receive notice and what records should we preserve when a Maryland harassment allegation or MCCR complaint arrives?
Are defense costs inside the limit, and who selects counsel and controls settlement for the types of employment claims we face?