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Technology Business Insurance in Maryland

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What are the insurance requirements for technology businesses in Maryland?

State laws can affect which policies you need for your technology business. These policies are required for Maryland businesses.
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Workers' compensation insurance

Maryland state law requires technology businesses with one or more employees to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Maryland must be covered by commercial auto insurance. Maryland requires $15,000 property damage liability per accident, and $60,000 bodily injury protection per accident and $30,000 bodily injury protection per person.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Maryland tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Maryland IT and technology professionals

Our agents are experts in insurance for Maryland technology businesses. They can help you find policies that fit your company and fulfill state requirements. In Maryland, insurance agents, agencies, and brokers are licensed by the Maryland Insurance Administration.

TechInsurance is licensed in Maryland as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 100040465). Verify our licensure with the National Association of Insurance Commissioners: select Maryland, licensee, business entity, and then enter our NPN or license number.

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