Insurance producers may charge fees in addition to or in lieu of commissions for insurance placement, provided such compensation is contemplated in the premium/charge for insurance filed with and approved by the commissioner and/or included in the policy.  Md. Code Ann., Ins. § 27-216. 

Yes.  Licensed advisers may charge fees for insurance services, if they enter into a written contract specifying fees and services, in a form approved by the Commissioner.  Md. Code Ann. Ins. § 10-215.  

Generally, an adviser must obtain a separate license, however, a producer acting on behalf of an insurer may use the title “adviser” provided the producer certifies to the commissioner that the adviser has completed successfully a course approved by the commissioner.  It appears that a producer must obtain an adviser’s license when not acting on behalf of an insurer.  Md. Code Ann. Ins. § 10-203. 

All employers

Prohibits specific deductible limits below $10,000

Prohibits aggregate coverage attachment points of less than 115% of expected claims

Starting in 2005 for malpractice claims: $650,000 increasing by $15,000 each year beginning in 2009, 125% for wrongful death claims. No cap on economic damages.