Maryland Employers Must Carry Workers’ Compensation

You may already know that an independent contractor cannot file for workers’ compensation in Maryland – but many people do not know whether or not their employer carries this type of insurance at all. We have put together these videos to help you learn more about the laws regarding workers’ compensation insurance.

Does My Employer Have to Carry This Insurance?

Every employer in Maryland is required to carry workers’ compensation insurance. There's no requirement that they have a certain amount of employees. If you have one employee, you're required to carry workers’ compensation insurance.

So if you are hurt at work, there should be workers’ compensation coverage for you. Even if their employer does not have it, there is a state fund that we can go after as well, to fill in the gap where your employer didn't have it.

What If My Employer Doesn’t Have Workers’ Comp?

In the situation where an employer has failed to get workers' compensation insurance coverage for their employees, there is a state fund with Maryland called the Uninsured Employers Fund.

Now, what the Uninsured Employers Fund does is act as an insurance company to provide workers' compensation insurance coverage where people don't have it through their employer.

And they provide all the same benefits that a regular workers' compensation insurance company would. However, handling these cases is a little bit different than handling a normal workers' compensation case. It requires some additional research, it requires some additional legal knowledge, and that's what we have at Plaxen Adler Muncy – to make sure that even though your employer has failed to do what they're supposed to do, you're not going to be the one that suffers for it.

If you were injured at work – even if your employer doesn’t carry workers’ compensation insurance – Plaxen Adler Muncy, P.A. can help you. We’ve protected the rights of injured workers in Maryland for more than 35 years. Please call 410-730-7737 or complete our contact form to arrange a free consultation about your case.

More information on workers' compensation in Maryland

Dangers on the Construction Site
How Investigators Evaluate Your Workers’ Compensation Claim