Insurance FAQs

1. Where do I mail my Notice of Claim for a Maryland Tort Claim?
Nancy K. Kopp, Treasurer
c/o Insurance Division
Louis L. Goldstein Treasury Building
80 Calvert Street, Room 442
Annapolis, MD 21401

2. What is the fax number I can use to send my Maryland State tort claim?

3. Is there a time limit for filing a claim?
All claims must be submitted in writing to the Treasurer or a designee of the Treasurer within 1 year after the injury to a person or damage to property has occurred.

4. Who should I contact if I need assistance with filing a Maryland Tort Claim or to check the status of my claim?
The STO Insurance Division can be reached individually at the phone number provided to you on the acknowledgment letter you have received from the person assisting you with your claim. The main phone number for the STO Insurance Division is 410-260-7684 or 1-800-942-0162. The STO Insurance Division is available Monday through Friday from 8:00 A.M. to 5:00 P.M. The office is closed on Saturday, Sunday, official state holidays and any days impacted by severe weather events.

5. If I send my Notice of Claim to the Insurance Division by fax, how will I know if it was received?
The fax machine used to fax the Notice of Claim to the STO Insurance Division will provide you with a verification of the fax being received by the STO Insurance Division. Once this verification has been secured, a follow up phone call to the office is not necessary. Should you not receive verification of the fax connecting to the STO Insurance Division, please check to make sure the document was sent to 410-974-2865.


Maryland State Agency Claims

1. How does a Maryland State Agency file a claim?
A claim form must be completed and submitted to the STO Insurance Division. This form can be mailed, faxed or emailed to the STO Insurance Division.

2. Where can a Maryland State Agency get a claim form?
The agency representative may click here for Insurance Forms or contact the STO Insurance Division at 410-260-7684.

3. Is there a time limit for a Maryland State Agency to file a claim?
When an agency seeks reimbursement from the State Insurance Trust Fund for a loss (damage or liability) the agency shall file its claim with the STO within 60 days after the agency discovers the loss (damage or liability). COMAR

4. If the agency has any questions about whether or not a claim should be filed, the agency may contact the STO Insurance Division at 410-260-7684 between 8:00 A.M. and 5:00 P.M. Monday through Friday.

5. Does a Maryland State Agency need to secure more than one estimate of repairs for damages?
The STO Insurance Division urges each Maryland State Agency to comply with State procurement procedures with regard to obtaining repair estimates for property damaged as a result of a sudden and accidental loss. If the agency is not using the State vendor for fleet management, the STO Insurance Division strongly recommends the agency obtain more than two competitive estimates prior to having the damages repaired. If the piece of equipment damaged is obtained from a sole source or is a special piece of equipment, this recommendation, may be waived.

6. How are Maryland State Agency claims paid?
After the agency pays for the covered damages, the agency must submit proof of payment to the STO Insurance Division. This submission should include a copy of an itemized estimate or invoice and proof of payment. This proof of payment may be a copy of the credit card slip or statement, a copy of the payment information from R*STARS or a copy of the cashed check. The agency will then be reimbursed for the covered damages.

7. Is there a deductible on claims submitted for reimbursement?
Yes, the first $1,000 of value of each occurrence (damage or liability) of an agency shall be paid from its appropriations in the State budget.

8. If a State agency mistakenly pays sales tax on a repair or replacement invoice, will the Insurance Division reimburse the State agency?
No. As the State is exempt from sales tax, this amount will be deducted from the total amount to be reimbursed.


Maryland State Agency Risk Management

1.If an agent of a Maryland State Agency takes State owned property out of Maryland, is the State owned property covered?
Yes, for covered perils since there is no territory limitation for property coverage.

2. Can the STO Insurance Division advise an agency on whether or not a driver of a State owned vehicle is covered?
No. The Maryland Tort Claims Act defines who is covered in Section 12-101. Should the agency require assistance with its interpretation, the agency must contact the Assistant Attorney General for this particular agency.

3. Can the STO Insurance Division grant permission for someone to operate a State owned vehicle?
No. The Insurance Division cannot grant permission to someone to operate a State owned vehicle.

4. Where can the agency learn more about the use and operation of State owned vehicles?
Reference the Department of Budget & Management State Vehicle Fleet Policies and Procedures Manual or by calling 800-705-3493.

5. If a Maryland State employee drives their personal vehicle during work, are they insured?
This is a complex question with many answers depending upon the time, place and circumstances of the incident. Please refer to the following legal memorandum for a detailed analysis: Risks and Liabilities of Automobile Use within the Scope of Public Duties.

6. If Maryland State personal property or equipment is stolen, is the property insured?
No. A claim for theft or other disappearance of an Agency's personal property may not be accepted under any insurance program provided by the Treasurer. An agency of State government shall be solely responsible for the care and custody of its property. COMAR

7. Are Maryland State owned "Fine Arts" insured?
Yes, for the same perils as other contents. However, if there is an article of fine arts the Treasurer determines is irreplaceable, the indemnity shall be only for the repair of damage.

8. A Maryland State Agency has been asked to provide a Certificate of Insurance. What exactly is a Certificate of Insurance?
A certificate of insurance is a document which provides evidence of insurance. Other parties routinely require evidence of insurance coverage for various types of contracts. Examples may be for the lease or rental of real or personal property, the lease or rental of a vehicle, or for special events.

9. How may a Maryland State Agency obtain a Certificate of Insurance?
An agency may submit a written request for a certificate of insurance to the STO Insurance Division, to the attention of Felicia Stewart, Underwriter. The request must contain the name of the person within the agency requesting the certificate, the telephone and fax number, the name and address of your State agency, a brief description of why the certificate is needed and the name and address of the organization requesting the verification of insurance from the agency. The agency representative can e-mail this request to Felicia at or fax it to her at: 410-974-3522.

10. How long is the process for obtaining a Certificate of Insurance from the STO Insurance Division once the request is properly submitted?
Please allow at least 5 business days for processing.


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