Trucking Insurance in Maryland
Get connected with specialists who understand Maryland’s PSC requirements, Port of Baltimore compliance, and high-density Mid-Atlantic freight.
Operating a Trucking Business in Maryland
Operating a trucking business in Maryland puts you at the heart of one of the busiest logistics regions in the world. Whether you are an owner-operator running intermodal loads from the Port of Baltimore, a fleet serving the dense Baltimore-Washington corridor, or a regional carrier moving goods along I-95, your insurance needs are shaped by intense traffic and strict regulatory oversight.
Maryland is a critical gateway for international trade and domestic freight. The state’s infrastructure is designed for high-volume transport, but the urban congestion around the Baltimore Beltway and the National Capital Region presents significant liability risks. Beyond the road hazards, Maryland motor carriers must navigate state authority requirements managed by the Maryland Public Service Commission (PSC).
Maryland Insurance Requirements
Federal Requirements (Interstate)
Most Maryland carriers operate interstate (DE, PA, VA, WV) and must meet FMCSA standards.
- Primary Liability: $750k ($1M recommended)
- Cargo: Required for for-hire
Maryland Intrastate (PSC Authority)
The Maryland Public Service Commission (PSC) oversees for-hire authority for intrastate carriers.
Mandatory State Filings
Form E: Proof of public liability insurance filed by insurer with MD PSC.
Form H: Required to certify cargo insurance for for-hire property carriers.
PIP Coverage: Typically required for commercial vehicles.
Coverage Types Required in Maryland
*Workers' Comp mandatory for 1+ employees.
Major Freight Corridors
- 01I-95 Corridor
The East Coast's main artery, running directly through Baltimore.
- 02I-695 Beltway
Critical loop for Port access; notoriously congested.
- 03US-50 & Bay Bridge
Key route to Eastern Shore agriculture and poultry.
MD Industries & Risks
- Maritime/Port
Drayage at Dundalk & Seagirt Terminals requires UIIA policies.
- Aerospace
Hauling high-value components means higher cargo limits.
- Congestion Risks
Stop-and-go metro traffic increases rear-end collision frequency.
- Tunnel Restrictions
Fort McHenry Tunnel Hazmat rules require strict route planning.
What Affects Your Maryland Rates
MD rates are on the higher side due to density and litigation.
Baltimore/DC metro carriers pay more than Western/Eastern shore.
Local drayage vs. OTR affects your premium structure.
MSP is active at Perryville scales. Clean inspections lower rates.
Frequently Asked Questions
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From Baltimore Port to I-95, navigate the Old Line State with confidence.
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