Workers Compensation Insurance

Workers Compensation Insurance Maryland: Protect Your Biggest Assets — Your Employees

workers compensation insurance maryland

Workers Compensation insurance provides coverage for lost wages, medical care, and death benefits for employers. The state of Maryland, with few exceptions, every employer in the State of Maryland with one or more employees is required by law to provide workers compensation coverage for their employees.

Reasons You May Be Overpaying:

You are insured with a payroll provided that does not understand insurance
Your agent incorrectly classified your employees leading to increased rates
You have an Experience Mod that is out of control
Large end of the year audit bills
Your agent has limited workers comp providers

Frequently Asked Questions:

How is Gerety Insurance going to help me more than my current agent?

With 30+ Workers Compensation carriers we understand the market to get you the best rate
Assistance with end of year audits
Experience in working with reporting agencies to lower your Experience Mod
Nurse Triage services to determine the best course of care prior to submitting a claim

Has your agent ever talked to you about your Experience Mod?

workers compensation insurance maryland

An Experience Mod (also called E-Mod) is a rating factor based on expected losses vs actual losses. It helps determine the cost of insurance by modifying the premium provided by the insurance carrier. At Gerety Insurance we educate our clients on E-Mods because a low experience mod can lower your yearly premium and show you as a businessowner where you are you are having the most frequent and serve claims.

What if I 1099 all my employees?

Depending on the circumstances and state you could be found responsible for a 1099’d employee. If you have never discussed this with your agent, give us a call to review your policy and gain clarity.

Request A Quote

"Call Missy for all your insurance needs. Talk about a awesome person and very knowledgeable she saved us over $700."

—Beverly Guthrie

"I cannot speak highly enough of the Gerety Insurance Agency. Chris and their team provided EXCELLENT customer service, they were professional, efficient and communicated extremely well. I moved all my insurance needs, home, auto and liability policies to them.
I highly recommend!"

—Jim Grant

"A Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Jaime Zang has been a wonderful help to our entire family. We have been through many changes as our family grows. She is always quick to respond, knowledgeable, and polite. I would recommend this company to everyone I know!"

—Mary Chaney

"As a customer of Gerety Insurance for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger

Ryan Frye

After our homeowners insurance premium went up for the third year in a row, I decided to try to shop around to get a better rate - not realizing how difficult some companies make it to get simple answers. I eventually came across a local insurance broker in my Google searches and decided to give them a try. Best decision I've made in a while. Our agent Chris Baur was extremely friendly and easy to get a hold of. Not only did he find a company that saved us hundreds of dollars with better coverage, we ended up bundling our auto insurance as well and am saving over $1000 a year. I cannot speak highly enough of Chris and Gerety Insurance and I've already been spreading the word to anyone in my circle that wants to save money. If you're looking for a sign as to whether or not they are right for you - this is it.

Chris Copenhaver

Very satisfied. I would recommend to anyone. Easy to work with.

Kim Maisel

I switched our auto & home insurance to Genety Insurance a number of years ago and I couldn’t be happier. Courtney services my accounts and she is always quick to respond and is so helpful with all of our needs. The entire staff are very courteous! The customer service is top notch!

Luke Smith

Very nice

Phillip Pawlukovich

Can’t recommend enough! Courtney and the rest of the team are always responsive and there to assist in anyway possible. Whenever a request is made, I feel like I am the top priority.

Michael Gerace

Outstanding service! Sully always goes above and beyond. He always delivers and a great partner to have.

Isabella Cirincione

I recently moved into my first apartment and needed renters insurance. Moving is stressful but working with the insurance company has been anything but stressful. Missy was super helpful and made the process very simple and quick! I am very grateful for her being able to help.

Kerrin O'Neill

We have been with Gerety Insurance for many years, and they are outstanding. They find the best rates for us, and they have been so helpful when we have needed to file claims.

Katherine Langrehr

Courtney Webster was a pleasure to work with. She worked efficiently to set up my new policy and made the whole process a breeze. Courtney even took the time to then change my policy when she later found a lower quote for me. Her customer service was greatly appreciated and helped save me over $100! Thank you so much Courtney!!

Mark Gray

The place is great when I call there with a question they are very helpful and go the extra mile ,they know there business very well that's why I stick with gerety ins Co. Very professional. 👍

Workers Compensation Insurance