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Business Insurance in Maryland

Worker’s Compensation Insurance

Understanding Worker’s Compensation Insurance (WC)

Derived from statutes of the states, worker’s compensation insurance, which is also known as “workman’s comp” or “workers comp” is necessary and required to provide protection and benefits to employees who suffer illnesses and work-related injuries. Purchasing WC insurance also protects employers from lawsuits filed by injured individuals seeking money for damages, pain and suffering.

Worker’s Compensation Coverage

WC only covers work-related illness or injury. However, worker’s compensation law does not limit the situation to occur within the workplace. As long as it is believed to be job-related, it is covered. This applies to situations like when an employee attends a business-related social function, traveling on business and doing a work-related errand. The coverage for WC also includes sudden accidents, injuries that happens over time, such as repetitive stress injuries or exposure of employees to workplace pollution or chemicals.

WC does not cover all incidents that happen within the workplace. These situations may include:

• Self-inflicted injuries
• Injuries from fight or caused by drugs or intoxication
• Injuries which result violation of the company policy
• Injuries claimed by an employee who is already laid-off or terminated
• Injuries which are felony-related

The comprehensive Worker’s compensation policy provided by Insurance Brokers of Maryland may cover:

• Expenses by an employee from medical assistance
• Expenses by an employee that is reoccurring because of an accident
• Wages lost due to accident of an employee

How Insurance Brokers of Maryland can help

Receive accurate quotes today to protect your business and employees! Our experts will assist you on your legal rights and explain all the necessary matters that involve benefits on your worker’s compensation coverage. Our knowledgeable and highly trained staff will tell you what you need to know and can answer questions that you may have about the policy. We will help you get the best quote and coverage that you require.

BUSINESS INSURANCE POLICY EXPERTISE

  • Builders Risk Insurance

    When building a building, make sure that you’re protecting more than the people and the property, but the actual building itself while it is in the construction phase.

  • Business Owners Package Insurance

    The full suite of necessary business insurance lines can be conveniently handled in a single BOP package, protecting the liability of your company’s property and vehicles.

  • Business Interruption Insurance

    If a loss from theft, storm, accident or vandalism of property causes your business to be out of commission, threatening your business’s livelihood, you’ll be glad you have interruption protection.

  • Commercial Auto Insurance

    Cover each of your company’s cars just like you would cover your own, and protect against risk to one of your company’s major investments.

  • Commercial Trucking Insurance

    Taking goods from one place to another requires mitigating the risks to both the goods and the trucks hauling them.

  • Commercial Umbrella Insurance

    Beyond what a standard business liability policy offers, an umbrella policy grants you even more protection for a true peace-of-mind feeling.

  • Contractor’s General Liability Insurance

    Contractors, builders, construction managers, design/build professionals and owners of construction projects, whether public or private, commercial or residential, are all in need of general liability protection if something were to happen to persons or property.

  • Employment Practices Liability Insurance

    If any of your employees sues your company as a result of your company’s business conduct, you are protected by this pragmatic form of insurance.

  • General Liability Insurance

    Since anything can happen (and it usually does), a policy which pays in the event of a wide variety of occurrences is an absolute imperative for your business.

  • Hotel / Motel Insurance

    As a hotelier, you encounter issues and possibilities unseen in any other industry – so you need a policy providing unique coverages to match.

  • Liquor Liability Insurance

    Alcohol can lead directly to accidents, and if you supply, sell or make the alcohol in question, you could be liable for those accidents.

  • Medical Malpractice Insurance

    Despite the best intentions, sometimes doctors and other medical professionals get sued by their patients – so having adequate malpractice protection is indispensable.

  • Product Liability Insurance

    If a product is made or sold by your company and it causes harm to another’s property or person, the value of this insurance line is made clear.

  • Restaurant & Bar Insurance

    The food service industry is tough enough, with the kinds of problems rare if ever seen in any other industry. Appropriately tailored insurance is a must for any restauranteur.

  • Special Event Insurance

    Hosting a party, a concert, a convention? A special event implies special needs that can only be protected by this form of insurance.

  • Surety Bonds

    Guarantee that a contract is executed on time and in the agreed-upon manner with a bond intended to secure the contract.

  • Technology Insurance

    Meant for companies that deal in technology, this insurance helps you recoup losses which affect your ability to deal in that technology.

  • Wholesalers and Distributors Insurance

    For companies in the business of wholesaling and distributing goods, a set of challenges particular to your industry means a type of insurance designed for you.

  • Workers’ Compensation Insurance

    Replace the wages of your employees injured on the job while providing them with invaluable funds toward medical expenses.

  • Defense Base Act Insurance

    DBA Insurance is a type of Workers’ Compensation insurance to protect employees, employers, independent contractors and others from damages due to injury, accidents, etc. on the job.

  • Insurance for Governmental Subdivisions

    There’s much to be analyzed when considering a municipality’s insurance needs. Are there special events to be covered? Does the municipality make use of volunteers? How could your school board or your water authority be held liable?

  • Insurance for Non-Profits

    Protect your Non-Profit organization from unexpected liabilities.

  • Insurance for Social Services

    A social services organization has similar risk-mitigation and protection requirements as any other business entity, but more of them.

  • Bowling Center Insurance
  • Builders Risk Insurance
  • Business Interruption Insurance
  • Business Owners Package Insurance
  • Commercial Auto Insurance
  • Commercial Trucking Insurance
  • Commercial Umbrella Insurance
  • Contractor’s General Liability Insurance
  • Defense Base Act Insurance
  • Employment Practices Liability Insurance
  • General Liability Insurance
  • Hotel / Motel Insurance
  • Insurance for Governmental Subdivisions
  • Insurance for Non-Profits
  • Insurance for Social Services
  • Liquor Liability Insurance
  • Medical Malpractice Insurance
  • Product Liability Insurance
  • Restaurant & Bar Insurance
  • Special Event Insurance
  • Surety Bonds
  • Technology Insurance
  • Wholesalers & Distributors Insurance
  • Workers’ Compensation Insurance

Get a Free Insurance Quote

(301) 668-2233

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Insurance Brokers of Maryland, LLC
182 Thomas Johnson Dr Ste 202
Frederick, MD 21702

600 East Main St.
Emmitsburg, MD 21727

(301) 668-2233

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Insurance Brokers of Maryland, LLC is rated 4.9 out of 5 based on 66 reviews from around the Web.
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Ive been in business for 7 years and my General Liability insurance has always been a hassle. I was referred to Toni Carmine and she has made this whole...
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(301) 668-2233
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