Maryland Excavation and Grading businesses pay $250–$1125/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Baltimore | $325–$1,463/mo | Compare → |
| Columbia | $320–$1,440/mo | Compare → |
| Germantown | $300–$1,350/mo | Compare → |
| Silver Spring | $313–$1,406/mo | Compare → |
| Waldorf | $288–$1,294/mo | Compare → |
| Montgomery County | $325–$1,463/mo | Compare → |
| Prince George's County | $313–$1,406/mo | Compare → |
| Baltimore County | $313–$1,406/mo | Compare → |
| Anne Arundel County | $300–$1,350/mo | Compare → |
| Howard County | $320–$1,440/mo | Compare → |
| Frederick County | $275–$1,238/mo | Compare → |
| Harford County | $275–$1,238/mo | Compare → |
| Charles County | $275–$1,238/mo | Compare → |
| Carroll County | $263–$1,181/mo | Compare → |
| Washington County | $250–$1,125/mo | Compare → |
Excavation and Grading businesses in Maryland typically pay $250–$1125/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Maryland requires workers' compensation for most employers with at least one employee. Excavation and Grading businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Excavation and Grading businesses, key covered scenarios include: Third-party property damage on a jobsite; Worker injury from fall or equipment; Subcontractor liability dispute.
Top exposures: (1) Third-party property damage on a jobsite, (2) Worker injury from fall or equipment, (3) Subcontractor liability dispute, (4) Tools and equipment theft.
Top carriers in Maryland for Construction & Trades businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Excavation and Grading policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Maryland cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.