Skip to content
State files updated Oct 27, 2026
Look up a contractor
MenuClose

Home / Insurance / Maryland

Maryland contractor license bondInsurance and workers' comp

No bond is required if you meet the Commission's financial solvency guidelines.1 Contractors must carry general liability insurance of at least $500,000 and show proof at application and every renewal.2

Bond and insurance by trade in Maryland

TradeBondInsuranceWorkers' comp
General contractorNo bond is required if you meet the Commission's financial solvency guidelines.1Contractors must carry general liability insurance of at least $500,000 and show proof at application and every renewal.2Maryland law requires every employer to secure workers' compensation coverage for its employees…3
PlumbingAsk State Board of PlumbingCertificate naming Board of Plumbing as holder.4Ask State Board of Plumbing
HVACAsk Board of HVACR ContractorsCertificate to Board if insured.5Ask Board of HVACR Contractors

Bond and insurance rules for electrical and roofing: check with State Board of Electricians, Maryland Home Improvement Commission (MHIC).

How much is the contractor bond in Maryland?

No bond is required if you meet the Commission's financial solvency guidelines. An applicant who does not may buy a surety bond or provide an indemnitor. The Commission does not list a fixed bond amount on its requirements page.1

What general liability insurance does Maryland require?

Contractors must carry general liability insurance of at least $500,000 and show proof at application and every renewal. The insurer must give the Commission 10 days' notice before cancelling.2

Can a Maryland contractor be exempt from workers' comp?

Maryland law requires every employer to secure workers' compensation coverage for its employees (Labor and Employment 9-402). The Home Improvement Commission does not list workers' compensation as a licensing requirement.3

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. Maryland Home Improvement Commission (MHIC): bond (labor.maryland.gov, 2026-10-27)
  2. Maryland Home Improvement Commission (MHIC): insurance (mgaleg.maryland.gov, 2026-10-27)
  3. Maryland Home Improvement Commission (MHIC): workers' comp (mgaleg.maryland.gov, 2026-10-27)
  4. State Board of Plumbing: plumbing insurance (labor.maryland.gov)
  5. Board of HVACR Contractors: HVAC insurance (labor.maryland.gov)