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What Professional Liability (E&O) Insurance Requirements Apply in Maryland?

Beginning October 1, 2026, Maryland sellers of travel and independent agents must file annual proof of at least $1 million in professional liability and E&O insurance. A separate Maryland law requires a real estate broker who voluntarily insures affiliated associates and salespersons to notify them immediately if that policy is discontinued.

What Is Professional Liability (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. Read the national Professional errors and omissions (E&O) guide.

Maryland Professional Liability (E&O) Insurance Requirements

Requirement	Details
Seller of travel and independent-agent E&O	At least $1,000,000; annual filing effective October 1, 2026 ¹

What to Watch for With Professional Liability (E&O) in Maryland

Prepare Before the October Start Date
Chapter 611 takes effect October 1, 2026. After that date, covered sellers of travel and independent agents must file annual proof with the Department, and they may not receive payment for offered travel services unless annual filing requirements are met; confirm registration scope and filing steps before taking payment. ¹
Check Who Receives a Broker-Policy Notice
If a Maryland broker buys E&O that covers affiliated or employed associate brokers and salespersons, the broker must give those covered people immediate notice when the policy is discontinued. If your firm relies on its broker's policy, ask how notice will reach you and what replacement or reporting coverage applies. ²
Match the Travel Business to the Statutory Definition
The $1 million rule is for sellers of travel and independent agents covered by the new subtitle, not all professional-service firms. Ask the Department or broker to confirm which entity receives customer payment and whether an exception in the statute applies before treating the policy limit as a general Maryland requirement. ¹

Providers With Maryland License Records

These providers publish a national listing for Professional errors and omissions (E&O); the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Maryland. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

At-Bay
Insurance producer, Surplus-lines broker · checked 2026-09-28
At-Bay Insurance Services LLC
At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. ⁸
At-Bay offers primary miscellaneous professional liability insurance.
Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. ⁹
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁰
Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry. ¹²
ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. ¹¹
Hiscox offers professional errors and omissions insurance for small businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹³
TechInsurance arranges professional errors and omissions insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. ¹⁴
Vouch lists errors and omissions among the core coverages in its professional-services programs.

Who Regulates Insurance in Maryland?

Maryland Insurance Administration

The Maryland Insurance Administration licenses producers and insurers, reviews rates and forms, and investigates complaints about insurance companies and producers. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-492-6116

Surplus-Lines Tax and Stamping Office in Maryland

Reported tax rate. 3% of gross premiums less returned premiums when Maryland is the insured's home state; excludes risks of Maryland and its political subdivisions ^6,⁷

When Maryland is the insured's home state, the tax is 3% of gross premiums less returned premiums, except insurance of risks of the State or a political subdivision. For policies effective on or after July 21, 2011, Maryland taxes the entire premium and the broker must charge the tax in addition to premium. Maryland's property and casualty guaranty corporation excludes surplus-lines policies.

Questions to Ask Before You Buy Professional Liability (E&O) in Maryland

Will my business be treated as a seller of travel or independent agent under Maryland's new subtitle, and what annual filing proves coverage?
Does the policy schedule identify the exact seller or agent entity required to file the $1 million proof?
If I am covered under my Maryland broker's E&O, how will I receive immediate notice if that policy is discontinued?

Professional Liability (E&O) Insurance in Maryland: FAQ

Will Maryland travel agents need E&O insurance?

Yes. Starting October 1, 2026, covered sellers of travel and independent agents must file annual proof of professional liability and E&O coverage of at least $1 million. ¹

Does Maryland require real estate brokers to buy E&O insurance?

Section 17-527.1 does not itself require brokers to buy E&O; it requires immediate notice to covered associate brokers and salespersons if a broker's policy is discontinued. ²

Sources

14 documents, numbered as cited. Open the sources

Sources for Professional Liability (E&O) Insurance in Maryland

1
2026 Laws of Maryland, Chapter 611 (HB 994), Don't You Worry (Wurie) Act. Maryland General Assembly; §§ 17-2201 to 17-2203, especially § 17-2202(A)–(B); effective October 1, 2026. Accessed 2026-09-28.
2
Maryland Code, Business Occupations and Professions § 17-527.1. Maryland General Assembly; § 17-527.1(a)–(b), discontinuance notice for a broker's voluntary E&O policy. Accessed 2026-09-28.
3
Maryland Insurance Administration. Maryland Insurance Administration; Homepage and consumer contact. Accessed 2026-09-28.
4
Insurance License Lookup. Maryland Insurance Administration; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Maryland Insurance Administration; State complaint process and contact. Accessed 2026-09-28.
6
Md. Code, Insurance §3-324. Maryland General Assembly; Insurance §3-324(a)-(b), (d)-(f): government-risk exclusion; 3% of gross premiums less returns; entire-premium home-state basis from July 21, 2011, with tax charged in addition. Accessed 2026-09-28.
7
Maryland Insurance Article (2026). Maryland General Assembly; Insurance §9-303(5), (7): surplus-lines and unauthorized insurers excluded from property and casualty guaranty subtitle; 2026 Insurance Article PDF. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Professional Liability (E&O) Insurance Requirements Apply in Maryland?

What Is Professional Liability (E&O) Insurance?

Maryland Professional Liability (E&O) Insurance Requirements

What to Watch for With Professional Liability (E&O) in Maryland

Prepare Before the October Start Date

Check Who Receives a Broker-Policy Notice

Match the Travel Business to the Statutory Definition

Providers With Maryland License Records

At-Bay

Coalition

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch