Geneva Insurance Group is licensed by the Maryland Insurance Administration (MIA). We compare A-rated carriers for Maryland drivers, homeowners, and businesses — from the Baltimore metro through the DC suburbs in Montgomery and Prince George's, the Eastern Shore, and Western Maryland — tuned to the coastal flood, nor'easter, and high-rebuild-cost realities Maryland risk profiles demand.
Maryland requires 30/60/15 liability + 30/60/15 uninsured motorist + $2,500 PIP — one of the highest minimums in the country. Even so, we typically recommend at least 100/300/100 given Maryland's claim severity environment, particularly in the Baltimore and DC suburbs.
Maryland homes face coastal flooding (Annapolis, Eastern Shore, Ocean City), nor'easters, severe hailstorms in Western Maryland, and Chesapeake Bay erosion. We size dwelling coverage to actual rebuild cost and add named-storm and water-backup endorsements where the risk justifies it.
Renters and condo policies in Maryland typically run $14-$28/month. Required by most landlords in Baltimore, the DC suburbs, and Annapolis.
Workers comp is mandatory in Maryland for businesses with 1+ employees, with very narrow exceptions. We write GL, commercial property, professional liability, commercial auto, and BOPs for Maryland businesses across federal-contractor services, healthcare, retail, and trades.
Term life, whole life, and individual health insurance for Maryland residents through MIA-licensed carriers. Maryland Health Connection (state-based Marketplace) and off-exchange options both available.
Personal umbrella for Maryland households — typically $250-$650/year for $1M of coverage. Particularly valuable for households in Montgomery, Howard, and Anne Arundel counties given local home-equity and asset profiles.
Geneva is licensed by the Maryland Insurance Administration (MIA) for personal and commercial lines. We follow Maryland-specific rules including the Insurance Article of the Annotated Code of Maryland.
Coastal and Eastern Shore properties need different carriers than Baltimore rowhouses or Montgomery County single-families. We match carriers to specific Maryland geography and risk profile.
Many Maryland clients work in DC or Virginia and need multi-state coverage. We handle commute and remote-work coverage situations carriers often get wrong.
Maryland requires 30/60/15 liability — $30,000 per person bodily injury, $60,000 per accident bodily injury, and $15,000 property damage. Maryland also mandates uninsured motorist coverage at the same 30/60/15 minimum and $2,500 of PIP (personal injury protection). These are among the highest minimums in the country, but we still typically recommend at least 100/300/100 given claim severity.
Yes, for any business with one or more employees, with very narrow statutory exceptions. The Maryland Workers Compensation Commission enforces this. Failure to carry coverage exposes the owner to personal liability for any injury claim plus statutory penalties.
Coastal and bay-front properties almost always do — the Eastern Shore, Annapolis, Ocean City, and bay-side Baltimore County all have significant flood exposure. If your property is in a FEMA Special Flood Hazard Area, your mortgage lender will require flood insurance through NFIP or a private flood carrier. Even outside designated zones, the Chesapeake watershed produces enough surprise flood losses that quotes are worth getting.
Yes, Maryland allows credit-based insurance scoring for auto insurance and most other lines. Improving credit lowers premiums at renewal, typically within 6-12 months of the change.
Maryland auto insurance compared across A-rated carriers.
Maryland homeowners coverage with coastal-flood, nor'easter, and rebuild-cost structuring.
Workers comp + GL + professional liability for Maryland businesses.
Personal umbrella for Maryland households.