Workers' Compensation Insurance

Explore the basics of workers' compensation insurance.

Explore the essential questions
of workers' compensation insurance.

What is Workers' Comp Insurance?

Workers' compensation is a system of benefits, wage replacement, and medical benefits, provided by law to most employees who experience work-related injuries or occupational diseases. Generally, benefits are paid regardless of fault.

Maryland workers' compensation law provides that an employee who has an accident that "arises out of and in the course of employment" is eligible to receive workers' compensation benefits. Eligible employees are covered from the moment they begin their jobs.

Workers' compensation insurance serves two purposes:

  1. it assures that injured workers get medical care and compensation for a portion of the income they lose while they are unable to work, regardless of the length of time, and,
  2. it helps protect employers from potential lawsuits initiated by workers injured while on the job.

Who Needs Workers' Comp Insurance?

All employers in the State of Maryland with at least one part-time or full-time "covered employee" are required to obtain coverage.

When Do I Need Workers' Comp Insurance?

Workers' compensation insurance is required by law from the first day you open for business and hire an employee. It is imperative to keep your coverage current to ensure that there is no lapse in coverage.

Where Can I Purchase Workers' Comp Insurance?

Employers are required by Maryland law to obtain workers' compensation insurance from a licensed insurance company - like Chesapeake Employers' Insurance Company.

Why Do I Need Workers' Comp Insurance?

Workers' compensation insurance coverage keeps you and your business in compliance with Maryland law. Having workers' comp insurance also gives you the peace of mind that your business and your employees are covered in the event of a workplace accident.

Vea el video, "Por qué necesita el seguro de accidentes de trabajo", en español aquí.

How Do I Obtain a Policy?

Obtaining workers' compensation insurance with Chesapeake Employers is fast and easy.

Maryland businesses may place their coverage with us by using the professional services of a licensed insurance agent or by dealing directly with us to obtain a quote and subsequent coverage. Whether you choose to work with an agent or not, you can rest easy knowing that your premium will not be affected.

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