Contractor Insurance
in Maryland
Stay Protected and Compliant in Maryland’s High-Liability Construction Sector
Maryland contractors face more than just jobsite risks—they also navigate strict insurance requirements tied to licensing and employee protections. Whether you’re a general contractor or a specialty tradesperson, it’s essential to carry the right insurance to stay legal and protected.
At ACI, we specialize in affordable, customized coverage that meets Maryland’s unique construction laws. From fast certificates to bundled savings, we help you protect your crew, tools, and reputation without overspending.
Why Contractors in Maryland Choose ACI
Local Expertise
We understand Maryland’s licensing and compliance rules.
Fast Certificates
Get same-day proof of coverage when you need it most.
Bundled Savings
Save more when you combine policies like liability and auto.
Tailored Coverage
Get a plan designed specifically for your trade and risk level.
Insurance Coverage We Offer in Maryland
We provide flexible coverage options for general contractors and subcontractors across the state. Popular policy types include:
- General Liability Insurance
Required for most Maryland contractors to obtain and maintain a license. Covers property damage, bodily injury, and legal costs.
- Workers’ Compensation Insurance
Mandatory if you have one or more employees. This policy pays for medical bills and lost wages due to work-related injuries.
- Commercial Auto Insurance
Protects your business vehicles and drivers from accidents, theft, and third-party liability while on the job.
- Tools & Equipment Insurance
Covers stolen or damaged tools—whether they’re in your truck or on a jobsite.
- Builder’s Risk Insurance
Covers materials, equipment, and the structure itself during construction or remodeling projects.
- Professional Liability Insurance
Ideal for contractors offering design or consulting services. Helps cover claims of errors, omissions, or negligence.
Who We Cover in Maryland
From solo tradespeople to multi-crew operations, we insure a wide range of licensed professionals, including:
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
No matter your trade or crew size, ACI has a policy built to protect how you work.
How Much Does Contractor Insurance Cost in Maryland?
Contractor insurance costs in Maryland depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:
Cost Factors
- Type of Work (e.g., Roofing vs. Painting)
High-risk jobs like roofing tend to cost more than lower-risk trades like painting.
- Number of Employees
More employees means higher payroll and increased workers’ comp costs.
- Coverage Limits and Deductibles
Opting for higher limits increases protection—but also your premium.
- Business Revenue
Larger revenue often means larger risks, which can raise your rate.
- Claims History
Fewer past claims = lower premiums. Frequent claims may drive up your costs.
Example Deductibles:
General Liability | $500–$1,000 |
Workers’ Compensation | $0 (No deductible) |
Builder’s Risk | $1,000+ |
Find out exactly what you’ll pay with a quick, tailored quote.
Maryland Contractor Insurance Requirements
General Liability Insurance
Required for licensed contractors. Most Maryland jurisdictions mandate coverage to protect property owners and comply with building codes.
Workers’ Compensation Insurance
Required if you have one or more employees. Coverage must be maintained year-round and reported to the Maryland Workers’ Compensation Commission.
Commercial Auto Insurance
All business-use vehicles must be insured under a commercial auto policy, not a personal one.
Insurance requirements may vary by trade and locality. Contact us for personalized guidance.
Get a Free Contractor Insurance Quote
in Maryland
Don’t risk delays or penalties. Get a quick, no-obligation quote tailored to your Maryland construction business.