Workers Compensation Insurance in Delaware & Maryland

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Coverage That Supports You & Your Employees

Help Your Team Recover After a Workplace Injury

If you have employees—even just one—you’re likely required by state law to carry workers compensation insurance. But beyond compliance, this coverage plays a critical role in keeping your people protected and your business running. It helps cover medical costs, lost wages, and rehabilitation expenses if an employee is injured or becomes ill because of their job. Whether you’re a small business in Dover or a growing company in Easton, we help you put the right coverage in place and stay ahead of costly claims or compliance headaches.

What Does Workers Comp Insurance Include?

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Medical Expenses

Covers necessary medical treatment, hospital bills, and follow-up care related to workplace injuries or illnesses.

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Lost Wages

Reimburses a portion of an employee’s income if they’re unable to work due to a covered injury or illness.

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Rehabilitation Services

Includes physical therapy or vocational rehab to help injured employees return to work safely.

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Death Benefits

Provides support for dependents or family members if a workplace injury results in death.

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Employer Liability Protection

Helps cover legal costs if an employee sues over a work-related injury not fully covered by workers comp laws.

Need help staying compliant with state workers comp laws?

 We’ll help you get the right coverage in place—so your employees are protected and your business is in the clear.

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Support for Your Team—and Your Business

Workers compensation insurance isn’t just about following the law—it’s about protecting the people who make your business possible. We’ll help you navigate changing requirements, avoid gaps in coverage, and manage risk before accidents happen.

Benefits of having insurance with us:

  • Guidance on state-specific workers comp laws
  • Access to multiple carriers for competitive pricing
  • Help preventing and managing claims
  • Flexible coverage options for full- and part-time staff
  • Local support from agents who understand your industry
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Straightforward Protection for You & Your Employees

Workers Compensation Insurance FAQs

  • Am I legally required to carry workers comp insurance?

    In most cases, yes—Delaware and Maryland both require employers to carry coverage for employees. We'll help you confirm what applies to your business.

  • Does this apply to independent contractors?

    Usually no, but misclassification is a common and costly mistake. We’ll help you understand how your workers are categorized and what's required.

  • Can workers comp help me avoid lawsuits?

    Yes. In most cases, carrying proper workers comp limits your liability and prevents employees from suing over injuries or lost wages.

  • What if I already have a policy but my business has changed?

    It’s smart to review your policy anytime your payroll, number of employees, or job duties shift. We can make sure your coverage stays accurate.