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Maryland HVAC & Appliance Repair Insurance Requirements (2026)

HVAC Contractors

Master, Master Restricted, or Limited HVACR Contractor

Maryland Board of Heating, Ventilation, Air Conditioning and Refrigeration Contractors (HVACR), Division of Occupational and Professional Licensing
General LiabilityRequired

Minimums: $300,000 general liability / $100,000 property damage (combined minimum $400,000)

Master, Master Restricted, and Limited HVACR contractor licensees must carry at least $300,000 in general liability coverage and $100,000 in property damage coverage, with the Maryland HVACR Board named as certificate holder; licensees cannot legally contract for HVACR services if this insurance lapses.[1]

Workers' CompensationConditional

Minimums: statutory workers' compensation coverage

Condition: 1+ employees

Maryland businesses with employees are legally required to carry workers' compensation insurance.[1][2]

Appliance Repair

No state license or insurance requirement for general appliance repair. Manufacturers' warranty networks, home warranty companies, and commercial landlords typically require proof of general liability insurance (COI).

Workers' Compensation Threshold

Maryland requires workers' compensation coverage for each employer that has at least 1 covered employee — the statute sets the threshold at a single employee. Sole proprietors and partners are not required to cover themselves, and small agricultural employers (fewer than 3 employees or payroll under $15,000/year) are exempt.

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Frequently Asked Questions

Does Maryland require insurance for HVAC contractors?▾
Yes. Master, Master Restricted, or Limited HVACR Contractor (Maryland Board of Heating, Ventilation, Air Conditioning and Refrigeration Contractors (HVACR), Division of Occupational and Professional Licensing) requires general liability insurance, workers' compensation insurance.
How much liability insurance does an HVAC contractor need in Maryland?▾
For the Master, Master Restricted, or Limited HVACR Contractor, the required minimum is $300,000 general liability / $100,000 property damage (combined minimum $400,000).
Do appliance repair businesses need a license or insurance in Maryland?▾
No state license or insurance requirement for general appliance repair. Manufacturers' warranty networks, home warranty companies, and commercial landlords typically require proof of general liability insurance (COI).
When is workers' compensation insurance required in Maryland?▾
Maryland requires workers' compensation coverage for each employer that has at least 1 covered employee — the statute sets the threshold at a single employee. Sole proprietors and partners are not required to cover themselves, and small agricultural employers (fewer than 3 employees or payroll under $15,000/year) are exempt.

Sources

  1. Maryland General Assembly — Md. Code, Labor and Employment §9-201 — Coverage under Workers' Compensation Law, accessed 2026-07-15
  2. Maryland Department of Labor, Division of Occupational and Professional Licensing — Insurance Requirements — Maryland Board of Heating, Ventilation, Air Conditioning and Refrigeration Contractors, accessed 2026-07-15

Last verified 2026-07-15. Spot something inaccurate? Report an inaccuracy.