[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).


The Board for the Injured Workers' Insurance Fund administers the Injured Workers' Insurance Fund, and uses the Fund to insure employers against liability. The Board also prepares capital and operating budgets for the Fund.

Nine members constitute the Board. 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).


Under the President are two main departments: Administration, and Operations. Reporting directly to the President as well are units for Compliance, Counsel, Human Resources, Internal Audit, and Investments.

Investments began as the Investment Department in 1991. It later transferred to the Office of President.

The Chief Investment Officer manages the Fund's investment portfolio which provides income to support its operations. Current assets and reserves total $1.5 billion.


Administration is responsible for the Chief Actuary, Communications and Strategic Planning, Information Systems, Marketing, and the Legal Department.

In 1990, Information Systems originated as the Data Control Department. In 1997, it reformed as Information Systems.

Information Systems integrates the computer systems and information needs for the Fund's departments. For new programs and initiatives, it provides information infrastructure support.


Operations began as Marketing, Strategic Planning, and Business Development in 2005 when Insurance Operations merged with Corporate Services and Strategic Planning. In 2008, it reformed as Insurance Operations, and now is Operations.

Operations oversees seven units: Claims (private), Claims (State), Health Services, Policy and Compliance, Premium Auditing, Strategic Business, and Underwriting and Loss Control. Operations also oversees the Maryland State Employee Risk Management Administration.

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