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Explore the basics of workers' compensation 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.
All employers in the State of Maryland with at least one part-time or full-time "covered employee" are required to obtain coverage.
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.
Employers are required by Maryland law to obtain workers' compensation insurance from a licensed insurance company - like Chesapeake Employers' Insurance Company.
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.
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.