Restaurant Insurance in Maryland: 2026 Cost Guide

How Much Does Restaurant Insurance Cost in Maryland?

Restaurant insurance in Maryland averages $139 per month for general liability coverage alone. A comprehensive insurance package — including general liability, commercial property, and workers' compensation — typically runs between $1,930–$3,289 per year for a typical full-service restaurant.

Here's what you can expect to pay for individual coverage types in Maryland:

These figures are based on a typical full-service restaurant with 10-20 employees and $500,000–$1,500,000 in annual revenue. Your actual costs will depend on your specific location within Maryland, claims history, employee count, and coverage limits.

Maryland-Specific Insurance Requirements

Maryland's restaurant insurance costs vary significantly by location. DC-adjacent Montgomery County and the Baltimore metro have the highest costs, while Eastern Shore and Western Maryland are much more affordable. The state's seafood industry (particularly crab houses) has unique liability considerations. Maryland's limited dram shop liability provides some cost relief for alcohol-serving establishments.

Required Coverages in Maryland

• General Liability
• Workers' Compensation (all employees)

Recommended Additional Coverages

• Commercial Property
• Liquor Liability
• Business Interruption
• Umbrella/Excess Liability

Maryland Risk Factors That Affect Insurance Costs

Maryland's Chesapeake Bay coastal areas face hurricane and flooding risks, while the DC suburbs have high property values and competitive restaurant markets.

The state's proximity to Washington DC creates a high-cost corridor in Montgomery and Prince George's counties with elevated liability and property costs.

Maryland's minimum wage of $15.00/hr increases workers' comp premiums relative to neighboring states like Virginia and West Virginia.

Best Restaurant Insurance Companies in Maryland

We've identified the top insurance providers serving Maryland restaurants. Simply Business is our top pick for most Maryland restaurants based on coverage options, pricing, and customer satisfaction.

Workers' Compensation Rules in Maryland

Maryland requires workers' comp for all employers. The Chesapeake Employers Insurance Company serves as the state's competitive fund.