---
title: "Business Insurance in Maryland"
description: "37 state-specific insurance coverage guides, plus Maryland Insurance Administration contact and license lookup resources for Maryland."
canonical: "https://spot.insure/coverage/states/maryland"
page-type: "coverage-state-hub"
updated-at: "2026-09-28"
---

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# Business Insurance in Maryland

## Insurance Regulator

**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.[^1][^2][^3]

- [Regulator website](https://insurance.maryland.gov/)
- [License lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/)
- [File a complaint](https://insurance.maryland.gov/consumer/pages/fileacomplaint.aspx)
- Phone: 800-492-6116

## 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.[^4][^5]

## Coverage Guides

- [General Liability Insurance in Maryland](/coverage/general-liability/maryland): Maryland retains contributory negligence as a complete defense, so evidence of the claimant’s own conduct can decide whether a negligence claim proceeds.
- [Directors and Officers (D&O) Insurance in Maryland](/coverage/directors-officers/maryland): Compare Maryland charter liability terms with director duties, indemnity restrictions, and shareholder reporting.
- [Technology E&O Insurance in Maryland](/coverage/technology-errors-omissions/maryland): Maryland’s computer-information statute lets a contract limit remedies, and it treats a ban on personal-injury consequential damages in a consumer software contract as prima facie unconscionable.
- [Cyber Liability Insurance in Maryland](/coverage/cyber/maryland): Maryland requires the Attorney General to receive notice before residents and gives data maintainers ten days to report the incident to the owner.
- [Media Liability in Maryland](/coverage/media/maryland): Maryland’s one-year libel and slander filing period makes publication and complaint dates important when you compare media liability terms.
- [Employment Practices Liability in Maryland](/coverage/employment-practices/maryland): Maryland uses different employer thresholds and complaint deadlines for harassment and other employment discrimination claims.
- [Fiduciary Liability Insurance in Maryland](/coverage/fiduciary/maryland): Review Maryland retirement-program and payroll duties alongside the employer’s plan-sponsor responsibilities.
- [When Maryland’s rental auto rules matter to business drivers](/coverage/hired-non-owned-auto/maryland): Maryland rental and lease rules make the renter’s authorized-driver list and who procures liability security important when employees use cars for work.
- [Professional Liability (E&O) Insurance in Maryland](/coverage/professional-errors-omissions/maryland): Check Maryland's broker notice duty and the new $1 million travel-seller E&O filing rule effective October 1, 2026.
- [Workers’ Compensation Insurance in Maryland](/coverage/workers-compensation/maryland): Maryland has four ordinary employer coverage routes and a separate statutory route for defined education entities.
- [Maryland Business Owner’s Policy Guide](/coverage/business-owners-policy/maryland): Use Maryland’s package-policy guidance to compare building, business-property and income limits, especially for home-based operations.
- [Maryland Umbrella and Excess Liability Guide](/coverage/umbrella-excess/maryland): Price a Maryland umbrella above $30,000/$60,000/$15,000 auto security, and separate that layer from the noneconomic-damages formula.
- [Maryland medical malpractice insurance: physician disclosure and settlement terms](/coverage/medical-malpractice/maryland): Compare physician disclosure duties, insurer settlement authority and separately priced disciplinary defense.
- [Representations and Warranties Insurance in Maryland](/coverage/representations-warranties/maryland): Check Maryland contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax.
- [Kidnap and Ransom Insurance in Maryland](/coverage/kidnap-ransom/maryland): Maryland K&R buyers should confirm the search route, named insured, and eligible nonadmitted insurer before relying on an export-list exception.
- [Crime insurance in Maryland: match transfer and check risks to the policy](/coverage/crime/maryland): Compare employee-dishonesty, check, and funds-transfer protection in Maryland by mapping how money leaves your business, who can change payment instructions, and what deadlines apply after a loss.
- [Commercial Auto Insurance in Maryland](/coverage/commercial-auto/maryland): Maryland requires active insurance on every registered vehicle, even when it is not being driven, and the policy must come from an approved insurer. The MV
- [Cargo Insurance in Maryland](/coverage/cargo-transit/maryland): See what Maryland requires from in-state household-goods movers and what to ask before relying on a carrier cargo filing.
- [Maryland liquor liability: tavern limits and underage social-host exposure](/coverage/liquor-liability/maryland): Maryland limits off-premises tavern claims but recognizes a narrow underage social-host claim; check business policy terms separately.
- [Key Person Insurance in Maryland](/coverage/key-person/maryland): Learn how Maryland insurable-interest rules, employee consent, and life guaranty limits affect a business-owned key person policy.
- [Maryland product liability insurance guide](/coverage/product-liability/maryland): How Maryland product-defect rules shape a maker’s, importer’s, distributor’s, or retailer’s liability questions when arranging product liability insurance.
- [Commercial Property Insurance in Maryland](/coverage/commercial-property/maryland): Maryland’s Insurance Administration says NFIP business coverage has separate limits up to $500,000 for a building and $500,000 for contents, while flood can affect property outside FEMA high-risk zones.
- [Maryland garage liability for motor vehicle dealers](/coverage/garage-liability/maryland): Check Maryland’s sales-volume bond and always-on liability proof for interchangeable dealer plates.
- [Maryland inland marine insurance for business property in motion](/coverage/inland-marine/maryland): A Maryland buyer's guide to quoting movable equipment, goods in transit and the pauses between pickup and delivery.
- [Maryland Public Construction Bonds](/coverage/surety-bonds/maryland): Check Maryland public-work bond triggers, required amounts, acceptable security, and claim protections before you bid.
- [Builders risk in Maryland](/coverage/builders-risk/maryland): Floodplain permits and changing Chesapeake or Atlantic shorelines can shape a Maryland construction plan. Use the project site and work phases to frame the builders-risk quote.
- [Equipment Breakdown Insurance in Maryland](/coverage/equipment-breakdown/maryland): Maryland sets notice and inspection rules for covered boilers; check your unit’s inspection scope and proposed equipment-breakdown terms separately.
- [Maryland Management Liability Insurance](/coverage/management-liability/maryland): Compare Maryland employment-law exposure and company indemnification duties with D&O and EPL policy terms.
- [Product Recall Insurance in Maryland](/coverage/product-recall/maryland): See how Maryland coordinates food recall investigations and which notice details help you scope withdrawal costs.
- [Maryland Fidelity Bonds for Title Insurance Producers](/coverage/fidelity-bonds/maryland): Learn which Maryland businesses must maintain fidelity bonds, how much coverage applies, and which employees or losses the bond must include.
- [Intellectual Property Insurance in Maryland](/coverage/intellectual-property/maryland): Learn how Maryland law treats trade secrets and related intellectual-property claims, and what to ask before choosing coverage.
- [Maryland contract-frustration coverage guide](/coverage/contract-frustration/maryland): For a Maryland commercial tenant, the exact permitted uses in the lease can determine whether a government closure blocks the contract’s principal purpose or leaves a lawful fallback.
- [Venture Capital Asset Protection Insurance in Maryland](/coverage/venture-capital-asset-protection/maryland): Check how Maryland adviser rules and fund entity structure affect a venture capital manager’s insurance review.
- [Digital asset business insurance in Maryland](/coverage/digital-assets/maryland): Review Maryland's digital-asset licensing and custody rules before comparing cover for exchanges, custodians, wallets, or kiosks.
- [Telehealth Insurance in Maryland](/coverage/virtual-care-telehealth/maryland): Maryland requires telehealth practitioners to obtain oral or written consent and follow the same clinical standards as in-person care.
- [Employee Health Benefits in Maryland](/coverage/employee-health-benefits/maryland): Maryland small-group rules let an employer include part-time workers at 17.5 to under 30 hours, while state continuation can preserve insured group coverage for 18 months after specified status changes.
- [Trucking Insurance in Maryland](/coverage/trucking/maryland): See when Maryland applies federal trucking financial-responsibility rules to intrastate heavy trucks, interstate carriers, and placarded hazardous loads.

State information is based on the cited sources. Confirm current requirements with the regulator and discuss your circumstances with a licensed insurance professional.

## Sources

[^1]: [Maryland Insurance Administration](https://insurance.maryland.gov/) — Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
[^2]: [Insurance License Lookup](https://www.apps.insurance.maryland.gov/CompanyProducerInfo/) — Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
[^3]: [File an Insurance Complaint](https://insurance.maryland.gov/consumer/pages/fileacomplaint.aspx) — Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
[^4]: [Md. Code, Insurance §3-324](https://mgaleg.maryland.gov/2026RS/Statute_Web/gin/3-324.pdf) — Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
[^5]: [Maryland Insurance Article (2026)](https://mgaleg.maryland.gov/2026RS/Statute_Web/gin/gin.pdf) — Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. Accessed 2026-09-28.
[^6]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
[^7]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22.
[^8]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28.
[^9]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
[^10]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28.
[^11]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28.
[^12]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15.

Updated 2026-09-28.

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