Maryland's strategic location between D.C. and the Port of Baltimore creates a dynamic business insurance landscape. Garzor Insurance serves Maryland businesses with commercial coverage for trucking, construction, government contractors, and the state's growing service economy.
Why Maryland is different
Coverage for Maryland's unique government contracting and defense-adjacent businesses
Port of Baltimore logistics and trucking specialization
Maryland workers' comp required for all employers — no minimum employee count
Commercial auto programs for I-95 and I-70 corridor operations
GL and professional liability for Maryland's D.C.-adjacent professional services
Bilingual advisors for Maryland's diverse business communities
Why Garzor Insurance
Understanding of Maryland's government contractor insurance requirements
Strong carrier relationships for MD commercial auto and trucking
Fast COI turnaround for Maryland contractors and service companies
Workers' comp expertise — Maryland requires coverage from employee #1
4.9/5 Google rating — trusted multi-state agency
Regulatory notes
Maryland requires workers' compensation for all employers — there is no minimum employee threshold. Commercial auto minimum liability is 30/60/15. Maryland follows a contributory negligence system — any plaintiff fault bars recovery. Motor carriers must comply with MDOT and FMCSA requirements.