Maryland Architectural Millwork, Store Fixture & Casework Contractor

Yes. In Maryland, performing architectural millwork contracting work requires regulatory approval overseen by the Maryland Home Improvement Commission (MHIC) / DLLR. Operating without proper credentials can subject contractors to stop-work orders, administrative citations, and fines.

While specific municipal requirements can exceed state minimums, contractors typically must carry at least $500,000 Each Occurrence / $1,000,000 General Aggregate. General liability coverage protects your business against third-party bodily injury, property damage, and completed operations claims during and after construction.

The statutory bond requirement in Maryland is generally $30,000 MHIC Guaranty Fund or Surety Bond (if net worth < $30,000). With good credit (scores above 680), an annual surety bond premium typically costs between $390 and $585 per year (1% to 2% of total bond penalty value). Contractors with lower credit scores can expect rates between $702 and $975 annually.

Mandatory for all employers with 1+ employees. Regardless of state minimum thresholds, commercial project owners, general contractors, and municipal permitting offices almost always mandate a valid Certificate of Insurance (COI) listing workers' comp before releasing jobsite access.

Maryland currently maintains reciprocal licensing or exam waiver agreements with: VA, DE, WV. Qualifying out-of-state contractors in good standing may apply to waive the trade examination portion of the license application.