[{"data":1,"prerenderedAt":91},["ShallowReactive",2],{"guide-question-maryland-contractor-simulator-workers-comp-claim":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},"workers-comp-claim","What must you do when an employee is hurt on the job?","Report the injury promptly to your workers' compensation carrier and the Maryland Workers' Compensation Commission.","Report the injury promptly to your workers' compensation carrier and the Maryland Workers' Compensation Commission. The employee is entitled to medical benefits and wage replacement while recovering.",[32,33],"One of your properly classified employees falls off a ladder on a job site and breaks his wrist. He can't work for 6 weeks.","He asks about workers compensation.",null,"/media/voices/workers_comp_claim.mp3",[37,42],{"text":38,"verdict":39,"label":40,"explanation":41},"File the workers comp claim immediately. Ensure he gets medical treatment, report the injury to your insurance carrier, and document everything","best","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.",{"text":43,"verdict":44,"label":45,"explanation":46},"Offer to pay his medical bills out of pocket to avoid an insurance claim that might raise your premiums","wrong","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.",[],[49,52,55,58,61,64,67,70,73,76,79,82,83,86],{"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":27,"title":28,"topic":24},{"slug":84,"title":85,"topic":24},"worker-injury-no-comp","What happens when an off-the-books worker is injured?",{"slug":87,"title":88,"topic":24},"hiring-day-laborers","What are the risks of hiring day laborers for cash?",{"slug":80,"title":81,"topic":24},{"slug":84,"title":85,"topic":24},1792184485366]