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[photo, 8722 Loch Raven Blvd., Towson, Maryland] In 1914, the Injured Workers' Insurance Fund began as the State Accident Fund, established as part of the State Industrial Accident Commission (Chapter 800, Acts of 1914). The Fund was reorganized as the Commissioners of the State Accident Fund, a separate agency, in 1941 (Chapter 504, Acts of 1941). Formerly under the Commissioner of Personnel, the agency joined the Department of Personnel in 1970 (Chapter 98, Acts of 1970). The Commissioners of the State Accident Fund became an independent agency on July 1, 1988 (Chapter 585, Acts of 1987). In 1990, it was renamed the Injured Workers' Insurance Fund (Chapter 71, Acts of 1990).

8722 Loch Raven Blvd., Towson, Maryland, May 2004. Photo by Diane F. Evartt.

The Injured Workers' Insurance Fund provides workers' compensation insurance coverage to Maryland businesses, and acts as claims administrator for all State employees for Workers' Compensation Insurance. As required by the Maryland Workers' Compensation Law, employers must carry this insurance to pay claims arising from workplace accidents and injuries to their employees (Code Labor & Employment Article, Title 9). All expenses of the Fund are paid out of income from premiums paid and interest earned from investments (Code Labor & Employment Article, secs. 10-101 through 10-141).

Under the Fund are five main departments: Claims Services; Finance; Investment; Legal and Human Resources; and Marketing, Strategic Planning, and Business Development.


The Board for the Injured Workers' Insurance Fund consists of nine members. They are appointed to five-year terms by the Governor with Senate advice and consent. The Board appoints the Fund President (Code Labor & Employment Article, secs. 10-109 through 10-114).

Claims Services oversees Claims Operations; Fraud Operations; Governmental Affairs; and Health Services.

The Finance Department is responsible for five units: Chief Actuary; Information Systems; Loss Control; Premium Auditing; and Underwriting.


Marketing, Strategic Planning, and Business Development was formed in 2005 when Insurance Operations and Corporate Services and Strategic Planning merged.

Marketing, Strategic Planning, and Business Development oversees four units: Association Programs; Communications and Strategic Planning; Product Development; and Territorial Marketing.

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 Maryland Manual On-Line, 2009

July 1, 2009   
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