Maryland Business Insurance

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.

Carriers we place in Maryland

• Progressive
• Nationwide
• Travelers
• Employers
• AmTrust
• Safeco
• Bristol West
• Northland

Industries we serve

• Trucking & Transportation
• Contractors & Construction
• Restaurants
• HVAC Companies
• Landscaping
• Auto Service & Repair

Get a free quote or call (321) 206-8035.