The Insurance Division is responsible for administering the State's Insurance Program which is comprised of both commercial and self-insurance. Commercial insurance policies are procured to cover catastrophic property and liability losses, and other obligations derived from State contracts, statutes and regulations. Among the several exposures covered by commercial policies are State maintained toll bridges and tunnels, rail operations, assorted professional liability exposures and student athlete accidents. The State also self-insures a significant portion of its exposures and maintains the State Insurance Trust Fund to pay claims and the costs associated with handling those claims. Self-insurance coverage includes State-owned real and personal property, vehicles, and liability claims covered under the Maryland Tort Claims Act.

The Insurance Division is comprised of four Units: Claims, Underwriting, Loss Prevention , and Litigation. The Division's goal is to provide statewide risk management through loss restoration (Claims), loss protection (Underwriting), loss control (Loss Prevention), and loss resolution (Litigation).


The Insurance Division's Claims Unit is responsible for handling claims filed against the State, its agencies, and its employees. The Unit also handles claims for State agencies whose State-owned property is damaged through a sudden and accidental occurrence. Payments to claimants or reimbursements to State agencies are paid out of the State Insurance Trust Fund or, in certain cases, are paid by commercial insurance.

Parties who wish to submit a claim against the State must comply with the provisions of State Government Article, ยง12-106, and must submit a claim in writing to the State Treasurer's Office within one year of the occurrence. The Notice of Claim form may be used to facilitate this process.

State agencies who wish to submit a claim must comply with the provisions of COMAR Title 25 and must submit the claim within 60 days of the loss. Forms are available under the State Agencies Tab.

To speak with our staff, you may call 410-260-7684. You may also write to:

Maryland State Treasurer's Office
Insurance Division
80 Calvert Street, Room 442
Annapolis, Maryland 21401

If you are contacting the Maryland State Treasurer's Office to report a road hazard incident such as a pothole or road debris, please be aware that the State of Maryland is not strictly liable for vehicle damage caused by roadway defects.  The Insurance Division will conduct an investigation to determine a number of factors including, but not limited to; if the incident occurred on a State-owned and maintained roadway; the State Highway Administration had prior actual or constructive notice of the roadway defect; and the State Highway Administration had sufficient opportunity after notice to make necessary repairs, before your incident occurred.

If it is determined that the area was under construction, you may be referred to the contractor who is responsible for responding to your claim.

After this investigation is completed, you will be notified of whether your claim has been approved for payment or denied.  A claim is denied when the State of Maryland determines that it is not legally responsible for the damage to your vehicle.  If your claim is denied, you may pursue other legal remedies.

We recommend reporting any road hazard matter to the Maryland State Highway Administration (SHA) on their website  This will help in mitigating additional incidents.

If your vehicle is not drivable or unsafe to drive after the accident, you should have it moved to a safe location.  If your car is towed to a tow lot or salvage yard, it is very important to have your vehicle removed as quickly as possible to the body shop of your choice.  Most of these locations charge a daily storge fee that you may be responsible for paying.


The goal of the Underwriting Unit is to manage the insurance needs of the State with self-insurance or through the procurement of commercial insurance. Commercial insurance protects the State Insurance Trust Fund from catastrophic losses and fulfills certain statutory requirements and agency contractual agreements. The Unit analyzes commercial coverage offerings, prices, limits and deductibles and then recommends to the Treasurer the combination that best protects the State of Maryland's assets.

As part of its mission to manage the State's insurance needs, the Underwriting Unit conducts an annual insurance survey to gather data on State exposures. The collected data is used to purchase commercial insurance policies and as a component for setting self-insurance premiums.

Loss Prevention

The aim of loss prevention is to help State agencies develop specific action plans and safety practices to mitigate or eliminate State agencies' most frequent or severe sources of preventable losses.

Annually, the Loss Prevention Unit conducts a comprehensive review of numerous State agencies' loss histories to identify problem areas and to help agencies with high severity claims and/or frequency take corrective measures.  These efforts are expected to significantly reduce loss frequency and the severity of damage sustained to State-owned buildings and contents.

Agencies have the opportunity to participate in various risk control services/activities such as infrared thermographic imaging of electrical distibution systems.  An infrared inspection of an electrical component or distribution system is designed to identify potential equipment failures before they happen so that appropriate action can be taken before costly repairs and downtime are incurred.  Testing has been conducted at the The University of Maryland Baltimore County, Maryland Stadium Authority (Oriole Stadium Park), Maryland Food Center Authority (Wholesale Produce Market), the Department of Health and Mental Hygiene (Eastern Shore and Springfield Hospital), and Department of Labor, Licensing, and Regulation (Headquarters).


Occasionally claims are resolved through litigation. The Litigation Manager is responsible for developing and implementing a comprehensive litigation plan for all tort claims in litigation. The Litigation Manager works closely with the Office of the Attorney General to proactively resolve these matters by investigating and evaluating cases, providing settlement authority or when necessary, by briefing the Insurance Review Committee on high dollar value settlements, and by attending settlement conferences and other court mandated activities. The Litigation Manager also works closely with the claims adjusters to provide feedback on investigations conducted by the adjuster. The Litigation Manager may also brief an adjuster on the status of certain litigation claims of interest.

See the Insurance section in the Annual Report for more details.