General Contractor Insurance in Maryland

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Why do general contractors need insurance in Maryland?

Construction sites can be dangerous places to work. A simple incident can result in a huge risk for your small company, regardless of whether you are involved in commercial or residential construction projects. Insurance for contractors is essential for Maryland businesses to protect their hard work from accidents and other issues that are common.

Contractor insurance is shorthand for the different kinds of insurance that general contractors might consider, such as:

  • General Liability insurance
  • Business Owner’s Policy
  • Workers’ Compensation insurance

Find out how BizInsure helps you find the right contractor insurance policy for your Maryland business.

Who needs contractors insurance in Maryland?

Contractors typically buy insurance policies to safeguard their business and personal finances. General Liability insurance can provide an important safeguard that is essential for your company.

There is a possibility that specific kinds of insurance are required to conduct business with a specific client (a requirement which is often stipulated in contracts for business). Workers’ Compensation insurance in Maryland is required for every business with more than one employee.

Choose your occupation to find out more about the insurance options that are available, and then request a quote for a custom insurance quote.

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What are common insurance polices for contractors in Maryland?

Maryland contractors may want to consider various types of insurance. These insurance policies can help you mitigate the common risks that general contractors face.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

What does contractor insurance cover in Maryland?

Insurance for contractors can protect your business against many types of risk. Based on the type of coverage you select, you may be protected for situations like:

  • Third-party claims and property damage (General Liability insurance for Maryland contractors).
  • Unexpected interruptions of business (Business Owner’s Policy).
  • Equipment breakdown
  • Injuries and illnesses of employees at work

How much does contractor insurance cost in Maryland?

If you plan to start an enterprise that contracts, you probably don’t have any idea what the cost of insurance for contractors will be in Maryland.

Business insurance prices vary because insurers take many aspects into account when they determine a company’s premium. The price of insurance for your business will be influenced by:

  • Choose the right type of insurance
  • Your annual income (size of business)
  • The number of people covered under the insurance policy
  • Your claim history
  • Your choice of the coverage amount

Save money and time in Maryland

BizInsure is the most effective method to safeguard your company.

In as little as 10 minutes, you’ll be able to compare multiple quotes and choose the one that most suits your needs and budget. The policy document is delivered straight to your mailbox.

Do you need assistance? We’re here to assist!

Compare quotes to determine the most suitable insurance for your Maryland general contractor’s business.


As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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