Maryland Flooring Workers Comp Rates (2026)
Maryland does not publish its flooring class figures online. Across the 26 states that do, the median typical premium is about $2.94 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Maryland figure.
No official Maryland figure is available online, so the numbers below use the US median of the states that publish one.
Maryland class code for flooring
- 5478: Floor Covering Installation - Resilient Flooring, Carpet and Laminate Flooring
- 5437 (Carpentry - Installation of Cabinet Work or Interior Trim, includes wood floor installation and sanding)
- 5348 (Tile, Stone, Mosaic or Terrazzo Work - Inside)
Flooring carries knee injury, back strain, silica dust from cutting tile or concrete, and adhesive vapor risks.
What comp costs per flooring installer in Maryland
The Bureau of Labor Statistics counts 450 floor layers, except carpet, wood, and hard tiles on payrolls in Maryland (May 2025), the 19th largest workforce of the 44 states with published figures. The median wage is $23.02 an hour, 15% below the US median of $27.15.
Floor layers, except carpet, wood, and hard tiles make up about the same share of Maryland jobs as they do nationally (location quotient 1.08).
At the US median of $2.94 per $100 of payroll (Maryland does not publish its figure online), comp on one worker at that wage costs about $0.68 for every hour worked, or $1,408 a year full time. A 2-person crew comes to roughly $2,815 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Maryland pay runs from $17.83 an hour at the 10th percentile to $29.92 at the 90th, so the same rate costs $0.52 an hour on a new hire and $0.88 on a senior hand.
Workers comp requirements in Maryland
- Coverage required: 1 employee
- Owners and sole proprietors: Sole proprietors, partners, and genuine independent contractors excluded; may elect in
- State fund: Competitive state fund (Chesapeake Employers' Insurance)
- Waiting period: 3 days; retroactive if disability lasts more than 14 days
- Penalty for going without: Fine up to $10,000, with responsible corporate officers personally liable
Maryland's CCPAP program gives a premium credit to construction employers who pay above-average hourly wages.
Maryland vs neighboring states
- Delaware: about $4.75 per $100 of payroll
- Pennsylvania: about $5.09 per $100 of payroll
- West Virginia: about $1.25 per $100 of payroll
Maryland does not publish its figure, so the first row is the US median. Among neighbors that publish, West Virginia is the cheapest for flooring comp at about $1.25 and Pennsylvania the most expensive at about $5.09 per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a flooring comp bill
- Floor installers file knee, back, and repetitive-strain claims more than falls. Kneepads and lifting aids are cheap ways to keep the experience mod down.
- Tile, hardwood, and carpet installation can be separate classes in some states. If your crews do several, record payroll by type of work.
- Many flooring shops pay installers by the square foot as 1099 subs. If they cannot show their own coverage, the auditor counts what you pay them as your payroll.
- Showroom and sales staff who do not install can usually be rated as sales or clerical when their duties are documented.