How is commercial auto insurance different from personal auto insurance?

Commercial policies provide higher liability limits, cover business use, include hired and non-owned auto, and offer specialized coverages like cargo insurance. Personal policies exclude business use and won't cover commercial claims.

Do I need commercial auto insurance if I only use my vehicle occasionally for business?

Yes. If you use your vehicle for business purposes, such as transporting goods, equipment, or people for business, you need commercial coverage. Personal auto policies exclude business use.

What if my employees drive their personal vehicles for work errands?

You need Hired and Non-Owned Auto coverage. If an employee causes an accident while on company business, your business can be sued even though they were driving their own vehicle.

How much does commercial auto insurance cost?

Premiums vary widely based on vehicles, drivers, use, location, and coverage. A single service van might cost $1,200-$3,000 annually for $1M CSL. NEMT vehicles typically run $4,000-$8,000+ annually due to higher passenger liability exposure. Contact us for accurate quotes.

Can I get coverage if I have violations or accidents on my record?

Yes. While violations and accidents affect pricing, we work with carriers that accept less-than-perfect driving records. We'll find you coverage options.

What are the liability requirements for interstate trucking?

The Federal Motor Carrier Safety Administration (FMCSA) requires $750,000-$5,000,000 depending on cargo type and weight. Most general freight requires $1,000,000 minimum.

Do I need cargo insurance?

If you transport goods for others, yes. Motor Truck Cargo coverage protects customer goods in your care. Most shippers and brokers require proof of cargo coverage.

What happens if I let my commercial auto policy lapse?

Serious consequences can result, including fines, license suspension, impounded vehicles, inability to operate legally, and much higher premiums when reinstating coverage. Never let coverage lapse.

How quickly can I get coverage?

Most commercial auto quotes are completed within 24-48 hours. Coverage can often be bound same-day once underwriting is approved.

Maryland Workers' Comp Insurance

Workers’ Comp Insurance – Maryland

Commercial Auto

Professional Liability

Workers Compensation

General Liability

Vacant Property

Workers' Compensation Insurance in Maryland

Maryland has one of the strictest workers' compensation laws in the country — coverage is required starting with your very first employee. Trans-Atlantic Commercial Insurance has spent over 35 years helping Maryland business owners get compliant, properly-priced workers' comp coverage, whether you're just hiring your first team member or managing an established workforce.

Call 703-674-0299 or request a free quote below to get started.

Get a Free Maryland Workers' Comp Quote

Does My Maryland Business Need Workers' Comp Insurance?

Unlike many states that exempt small employers, Maryland requires workers' compensation coverage the moment you have one or more employees — full-time, part-time, seasonal, or temporary. This includes:

Full-time and part-time staff
Seasonal and temporary workers
Remote employees based in Maryland
Corporate officers and LLC managers providing services to the entity, in most cases

is-workers-comp-insurance-mandatory-in-maryland

Limited exceptions exist for:

Sole proprietors and business partners (though voluntary coverage is available)
Independent contractors, properly classified
Agricultural employers with fewer than three employees or an annual payroll under $15,000

Because Maryland's threshold is so low, many new business owners are caught off guard — especially those relocating from states with higher employee-count exemptions. If you've hired even one person, it's worth confirming your compliance today.

Not sure if your business is covered correctly? Our licensed Maryland agents can review your situation and tell you exactly what's required — no obligation.

What Happens If You Don't Carry Required Coverage?

The Maryland Workers' Compensation Commission (MWCC) enforces this requirement through its Uninsured Employers' Fund. Employers who fail to carry required coverage can face:

Civil penalties reported as high as $25,000 per violation
Personal liability for corporate officers in some cases
Continued exposure through the state's Uninsured Employers' Fund, which pays injured workers directly and then pursues reimbursement from the uninsured employer
Potential criminal charges for continued non-compliance

Employers must also report workplace injuries to the MWCC within 10 days, and claims generally must be filed by the employee within a set window after the accident — so timely, accurate coverage and reporting matter as much as simply having a policy.

What Does Maryland Workers' Comp Cover?

A Maryland workers' compensation policy covers:

Medical expenses for a work-related injury or illness
Partial wage replacement — typically up to two-thirds of lost wages — during recovery
Disability benefits for temporary or permanent injuries
Death benefits for dependents in the event of a fatal workplace accident
Employer's liability protection, which helps cover legal costs if an employee sues over a workplace injury

Maryland operates on a no-fault basis: an injured employee doesn't need to prove employer negligence to receive benefits, and in exchange, employees generally cannot sue their employer separately for the same injury.

A Note on Remote and Commuting Employees

If you employ remote workers based in Maryland, they're generally covered for injuries that occur while working — but Maryland's "coming and going rule" typically excludes standard commutes to and from a job site. If your business has a hybrid or remote workforce, this is worth discussing directly with your agent, since coverage nuances here trip up a lot of employers.

Workers' Comp for Maryland Contractors and Subcontractors

Maryland construction and trade businesses face particular scrutiny around classification — simply calling someone a 1099 contractor doesn't exempt you if the actual working relationship functions like employment. Misclassification can leave you exposed to penalties and leave injured workers without the benefits they're entitled to. We regularly help Maryland contractors:

Get certificates of insurance quickly for bid and contract deadlines
Review worker classifications to avoid compliance gaps
Structure coverage across multiple job sites and crews

Industries We Cover in Maryland

General contractors and specialty trades
Trucking and transportation
Healthcare practices
Professional services firms

Non-profits
Manufacturing and warehousing
Medical Offices

Law Offices
Retail Operations
And More!

Why Work With Trans-Atlantic for Maryland Workers' Comp

35+ years of experience helping business owners navigate commercial insurance
Licensed broker access to multiple top-rated carriers, so you're not limited to a single insurer's rates
Local, personal service — you'll work directly with a licensed agent who understands Maryland's low-threshold requirements
Fast certificates of insurance for bid deadlines and contract requirements

In my capacity as a small business owner and in my capacity as a senior official associated with nonprofits, Rodney Thompson (TransAtlantic Commercial Insurance) has served me and these organizations brilliantly.
I have only kudos to share.

Sharon Pratt

First I would like to thank Mr. Mr.Thompson for all the help and great assistance he provided. I highly recommend Mr. Thompson to be your insurance agent. We all know how hard it is to find good agents in the trucking industry. Trans - Atlantic is the place to go. Everything was done professionally, and by the book, no corners cut. It's assuring working with Mr. Thompson that you can feel confident knowing your business insurance needs are being correctly taken care of.

If you're looking to insure your company, i highly recommend you give Mr. Thompson a call. Thanks QCL.

Quinten Coker

Trans-Atlantic Insurance will go above and beyond the Call of Duty to ensure Owner-Operators receives the best possible rates. Mr. Rodney, JDIA Enterprise, Inc and my family, we are grateful to you for saving us a bundle on insurance rates...Thanks again.

Willie Spicer

I don't normally leave comments but Mr. Thompson is a rare breed these days. This was the best experience I have had with any agent! Mr. Thompson is extremely knowledgeable, professional and very courteous. I truly appreciated the prompt responses to my questions and delivering on his promises. Mr. Thompson you have gained a satisfied and loyal customer . If you read this thank you for your patience.

Tina H

What Clients Say

Frequently Asked Questions

How many employees before I need workers' comp in Maryland?

Are independent contractors exempt in Maryland?

Are remote employees covered under a Maryland workers' comp policy?

How much does workers' comp insurance cost in Maryland?

How fast can I get a certificate of insurance?

Get Your Maryland Workers' Comp Quote Today

Maryland's low coverage threshold means most businesses with any staff need a policy in place. Contact Trans-Atlantic Commercial Insurance today for a free workers' compensation quote tailored to your Maryland business.

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