In Maryland, a Workers' Compensation and Employers Liability policy is a contract between

While the insurer may interact with employees regarding claims, the contract itself is not between the insurer and the employee. Instead, employees are beneficiaries of the coverage provided under the policy, but they do not directly enter into the contractual agreement with the insurer.

Although employers are responsible for providing workers' compensation benefits to employees, the contract is not directly between them. Instead, the employer purchases insurance from the insurer to fulfill their obligations, which establishes the primary contract with the insurer—making this choice incorrect.

While employers must comply with state workers' compensation laws, the contract for Workers' Compensation and Employers Liability insurance is not directly between the employer and the state. Instead, the state regulates the insurance requirements, but the contract exists solely between the insurer and the employer.