What must you do when an employee is hurt on the job?

Work it through

You're the contractor. Pick what you'd do, then see how each choice plays out.

1. AFile the workers comp claim immediately. Ensure he gets medical treatment, report the injury to your insurance carrier, and document everything
   Correct

   Maryland requires employers to carry workers compensation insurance and file claims promptly for workplace injuries. You must report the injury to your carrier and the Maryland Workers Compensation Commission. The employee is entitled to medical benefits and wage replacement during recovery. Prompt, honest handling protects both your employee and your business.

2. BOffer to pay his medical bills out of pocket to avoid an insurance claim that might raise your premiums
   Illegal

   Failing to report a workplace injury and attempting to handle it outside of workers comp is a violation of Maryland labor law. Workers comp exists to protect both the employee (guaranteed benefits regardless of fault) and the employer (limited liability). If the injury turns out to be more serious than a wrist fracture, you've exposed yourself to unlimited liability by not filing the proper claim.