[{"data":1,"prerenderedAt":85},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-insurance-lapse":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":54,"prev":83,"next":84},{"name":5,"tagline":6,"title":7,"description":8,"guideTitle":9,"guideDescription":10,"ogImage":11,"disclaimer":12,"practicePitch":13,"citationsTitle":14},"Free MHIC Training","Maryland home improvement exam prep","Free MHIC Exam Prep: Maryland Home Improvement Contractor Practice","Free, narrated MHIC exam prep: 147 real Maryland contractor scenarios, every choice explained, with the law cited where it applies.","MHIC Exam Study Guide","Every scenario in the free Maryland Contractor Simulator, written out as a practice question: the situation, your options, how each choice plays out, and the Maryland law where it applies.","/og/free-mhic-training.png","Free MHIC Training is free study material for the Maryland home improvement contractor exam. It is not affiliated with the Maryland Home Improvement Commission and is not legal advice.","The free Maryland Contractor Simulator puts you in situations like these across a 40-day contracting career, narrated, with your license on the line. No account needed.","Law and codes cited",{"slug":16,"title":17,"subtitle":18,"description":19,"maxTurns":20,"characterCount":21,"scenarioCount":22},"maryland-contractor-simulator","Maryland Contractor Simulator","Learn the law by living it.","You just got your MHIC license application approved and you're starting your home improvement business in Maryland. Navigate real contractor scenarios — contracts, permits, clients, subcontractors, and inspectors. Every choice teaches you the law through consequence, not memorization. Master all five exam areas to pass.",40,20,147,{"slug":24,"title":25},"licensing","MHIC Licensing & Renewal",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":34,"speakerDescription":34,"speakerAvatar":34,"audioUrl":35,"choices":36,"citations":52},"insurance-lapse","What happens if your contractor liability insurance lapses in Maryland?","You must stop working until it is reinstated. Business Regulation §8-303 requires at least $50,000 in general liability coverage at all times, there is no…","You must stop working until it is reinstated. Business Regulation §8-303 requires at least $50,000 in general liability coverage at all times, there is no grace period, and operating uninsured is grounds for license suspension.",[32,33],"You get a letter from your insurance company: your general liability policy lapsed because a payment bounced. You have a job starting Monday.","Your current coverage expired 5 days ago.",null,"/media/voices/insurance_lapse.mp3",[37,42,47],{"text":38,"verdict":39,"label":40,"explanation":41},"Do NOT start the job Monday. Reinstate your insurance immediately — you cannot legally operate without the required $50,000 liability coverage","best","Correct","Maryland Business Regulation §8-303 requires MHIC-licensed contractors to maintain at least $50,000 in general liability insurance at all times. Operating without insurance is grounds for license suspension. If someone is injured on a job while you're uninsured, you're personally liable for all damages with no policy to cover you. Fix the payment and reinstate before touching any job site.",{"text":43,"verdict":44,"label":45,"explanation":46},"Start the job anyway — it's a small project and you'll reinstate the insurance next week","wrong","Wrong","There is no grace period for insurance lapses under MHIC requirements. Every day you operate without $50,000 liability coverage, you're in violation. If a worker is injured or property is damaged on Monday, you're personally liable for every dollar. One slip-and-fall can bankrupt you. The MHIC can also suspend your license retroactive to the lapse date.",{"text":48,"verdict":49,"label":50,"explanation":51},"Call the client and push the start date back a week. Tell them you have a scheduling conflict","partial","Right priority, wrong excuse","Not starting until your insurance is reinstated is the right call, but inventing a scheduling conflict is a lie to your client. You can delay honestly: tell them an administrative issue needs a week to clear. Get the insurance reinstated as fast as possible, and check whether your lapse triggers an MHIC notification. Some insurance companies are required to notify the Commission of policy cancellations.",[53],"Business Regulation §8-303",[55,58,59,62,65,68,71,74,77,80],{"slug":56,"title":57,"topic":24},"first-day-as-contractor","What should a new MHIC contractor do before the first job?",{"slug":27,"title":28,"topic":24},{"slug":60,"title":61,"topic":24},"financial-solvency-check","How do you meet the MHIC financial solvency requirement at renewal?",{"slug":63,"title":64,"topic":24},"license-renewal-process","What does the MHIC require to renew a contractor license?",{"slug":66,"title":67,"topic":24},"corporate-license-question","Do you need to update your MHIC license when you form an LLC?",{"slug":69,"title":70,"topic":24},"address-change","Do you have to tell the MHIC when your business address changes?",{"slug":72,"title":73,"topic":24},"mhic-website-verification","What if the MHIC lookup shows your old business name?",{"slug":75,"title":76,"topic":24},"credit-report-surprise","Why does the MHIC review your credit report?",{"slug":78,"title":79,"topic":24},"outstanding-obligations","Can unpaid supplier bills put your MHIC license at risk?",{"slug":81,"title":82,"topic":24},"annual-license-audit","How should a contractor respond to an MHIC compliance audit?",{"slug":56,"title":57,"topic":24},{"slug":60,"title":61,"topic":24},1792184484118]