Workers Comp Rates in Maryland (MD)

Maryland workers comp rates are approximately 10% above the national average. Here's what Maryland business owners need to know about classification and premiums.

Maryland Workers Comp Overview

Maryland requires coverage for all employers and has slightly above-average rates. The state uses NCCI classifications. Healthcare and construction sectors see the most misclassification issues.

How Maryland Rates Compare

With a state modifier of 1.1x, a business in Maryland paying $10,000 in base premium nationally would pay approximately $11,000 in MD. This makes proper classification even more important in high-rate states like Maryland — every misclassified employee costs more.

The most impactful thing a Maryland business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In MD, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Maryland rates and requirements are subject to change.