Maryland contractors insurance

Licensing & registration in Maryland

Contractor licensing in Maryland is handled at the state and/or local level and can vary by trade and project size — home-improvement work commonly involves state-level licensing, and trades such as electrical, plumbing, and HVAC carry their own requirements. Verify the current requirement with your state licensing board (and the county or city where you work) before bidding.

Many licensing bodies require a license or registration bond, which guarantees something to the public and is distinct from liability insurance. Requirements vary by jurisdiction and trade, so confirm what applies before you start.

Coverages Maryland contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Maryland

Common Maryland users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Baltimore, Columbia, Germantown, and Annapolis.