[{"data":1,"prerenderedAt":91},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-worker-injury-no-comp":3},{"site":4,"simulation":15,"topic":23,"question":26,"siblings":48,"prev":89,"next":90},{"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},"subcontractors-employees","Subcontractors, Liens & Workers",{"slug":27,"title":28,"description":29,"takeaway":30,"situation":31,"speaker":34,"speakerDescription":34,"speakerAvatar":34,"audioUrl":35,"choices":36,"citations":47},"worker-injury-no-comp","What happens when an off-the-books worker is injured?","You are personally liable for all medical costs and lost wages, face state penalties for operating without workers' compensation insurance, risk your MHIC…","You are personally liable for all medical costs and lost wages, face state penalties for operating without workers' compensation insurance, risk your MHIC license, and could face criminal charges for a serious injury.",[32,33],"One of your workers cuts his hand badly on a table saw. He needs stitches. He's been working for you 'off the books' — cash, no workers comp, no paperwork.","He's at the ER asking who's going to pay the bill.",null,"/media/voices/worker_injury_no_comp.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"Pay the medical bill, then immediately get workers comp insurance and put all workers on proper payroll. You're exposed to massive liability operating without workers comp, and this injury just demonstrated why","note","Wake-up call","Maryland requires employers to carry workers compensation insurance. Operating without it means: (1) you're personally liable for ALL medical costs and lost wages; (2) you face state penalties for non-compliance; (3) if the injury were more severe, you could face criminal charges; (4) your MHIC license is at risk. A table saw laceration is a $2,000 lesson. A table saw amputation would be a $200,000 lesson. Get insured TODAY.",{"text":43,"verdict":44,"label":45,"explanation":46},"Give him cash for the ER bill and tell him not to mention your company name at the hospital","wrong","Criminal","Concealing a workplace injury is illegal. Hospitals report serious injuries. Workers comp investigators follow up. Telling an injured worker to hide your involvement adds obstruction to your existing violations. You're now facing: workers comp fraud, labor law violations, OSHA reporting failures, tax evasion (off-the-books workers), and MHIC license action. All of this because you tried to save money by not carrying insurance.",[],[49,52,55,58,61,64,67,70,73,76,79,82,85,86],{"slug":50,"title":51,"topic":24},"subcontractor-payment","Must you pay subcontractors when the homeowner pays late?",{"slug":53,"title":54,"topic":24},"tony-files-lien","What happens when an unpaid subcontractor files a mechanics lien?",{"slug":56,"title":57,"topic":24},"lien-rights-education","Can a subcontractor put a lien on a house the owner paid in full?",{"slug":59,"title":60,"topic":24},"client-wants-to-pay-sub-directly","Should a homeowner pay your subcontractor directly?",{"slug":62,"title":63,"topic":24},"mike-unlicensed-electrical","What if your electrician's license expired mid-job?",{"slug":65,"title":66,"topic":24},"subcontractor-not-licensed","Can you hire a plumber who is still getting licensed?",{"slug":68,"title":69,"topic":24},"homeowner-does-own-electrical","Can a homeowner do their own electrical work on your job?",{"slug":71,"title":72,"topic":24},"multiple-subs-coordination","Who coordinates subcontractors working in the same space?",{"slug":74,"title":75,"topic":24},"subcontractor-damages-property","Who is liable when a subcontractor damages the home?",{"slug":77,"title":78,"topic":24},"cousin-ray-no-show","How do you handle a subcontractor who stops showing up?",{"slug":80,"title":81,"topic":24},"worker-classification","Are your regular workers employees or 1099 contractors?",{"slug":83,"title":84,"topic":24},"workers-comp-claim","What must you do when an employee is hurt on the job?",{"slug":27,"title":28,"topic":24},{"slug":87,"title":88,"topic":24},"hiring-day-laborers","What are the risks of hiring day laborers for cash?",{"slug":83,"title":84,"topic":24},{"slug":87,"title":88,"topic":24},1792184485369]