Maryland’s tow-specific statute sets no dollar figure of its own — it incorporates the federal amount, practically $750,000 for for-hire nonhazardous carriers at 10,001+ lbs. The state sets no on-hook, garagekeepers, or cargo minimum.
Law: Md. Transp. § 13-920(h)(1); § 25-111.1; § 17-103(b)(5); 49 CFR 387.9 · COMAR 11.07.03.18
Weight / class variation: 13-920(h) previously set $100,000 per person / $300,000 per occurrence BI / $100,000 per occurrence PD (2011 Ch. 111) - superseded by the federal-amount wording; do not use the 2011 figures
Tow-specific statute sets no Maryland dollar figure; it incorporates the federal amount (§ 13-920(h)(1)), confirmed current law. The pre-2011 fixed 100/300/100 figure was superseded — some county documents still cite it. § 25-111.1 authorizes MVA to adopt rules consistent with 49 CFR Part 387; § 17-103(b)(5) requires Part 387 security for vehicles subject to § 25-111.1. No state on-hook, garagekeepers, or cargo minimum: none in § 13-920, VR-294, § 25-111.1, or Part 387 (cargo in Part 387 Subpart C is household-goods only). MdTA permittees on Authority property must carry $1M/$1M/$1M liability/property damage with certificate of insurance (COMAR 11.07.03.18). County/city rules vary (e.g., Montgomery County police towing, Charles County permit). Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Maryland →Independent-contractor test: Common-law control test for WC: WCC examines the degree of supervision and control exercised over the claimant
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.