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Maryland Workers' Compensation Requirements
At a glance
The details
Every employer with 1+ employees (FT/PT), few exceptions.
If a claim happens: benefit amounts in Maryland
Max TTD weekly benefit as of Jan 1, 2025 (IAIABC/WCRI Workers' Compensation Laws 2025 compendium, Table A.1). Annual-adjustment states have since raised 2025-2026 rates — verify before launch Medical: See state agency — benefit structure varies. Death: see state agency. Rate cycle: adjusts 01/01 each year. All states' benefit rates →
FAQ
Do I need workers' compensation in Maryland?
Yes — Maryland requires coverage as soon as you hire your first employee (full-time or part-time).
What about construction businesses in Maryland?
Construction businesses follow the same 1 threshold. See details below for industry nuances.
What if I don't carry required coverage in Maryland?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Maryland's current enforcement posture.
Official source: MD Workers' Compensation Commission · Verified 2026-09-08 (two-source) · Compare all states · Construction rules · Farm rules