Which type of claim would be covered by the Maryland Property and Casualty Insurance Guaranty Corporation?

• A. A corporate liability claim
• B. A workers' comp claim
• C. An individual claim for $100,000
• D. A property damage claim

Answer: (C)

The main idea is that the Maryland Property and Casualty Insurance Guaranty Corporation steps in to pay covered claims against insolvent property and casualty insurers, protecting policyholders and other claimants within a set per‑claim limit. It does not cover workers’ compensation claims, which are handled by a separate guaranty system.

An individual claim for $100,000 fits this purpose precisely: it’s a claim by a person (a claimant) under a property or casualty policy against an insolvent insurer, and it would be paid up to the state’s per‑claim limit. The workers’ compensation option is outside this guaranty, which is why that choice is not correct. While corporate liability or general property‑damage claims could also be covered if they arise under a qualifying policy and stay within the per‑claim limit, the example of an individual claim clearly aligns with how the guaranty fund operates.