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Questions and answers Employers

 Insurance, Compliance & Reporting Division web page for additional information, forms and more.

Are accident reports required by law?  Where can I get Insurance/rates information? 

First Report Of Injury Form

WCC Annual Reports, materials and publications.

Other WCC Forms & Instructions

How does an employer comply with the workers' compensation law?

  • Employers in the State of Maryland are required to obtain workers ' compensation insurance from any insurance company licensed to write workers ' compensation insurance in the State of Maryland or from the Chesapeake Employers' Insurance Company. Employers may also apply to become a self-insured employer, which requires prior approval of the Workers ' Compensation Commission.

    Employers failing to secure workers ' compensation insurance as required by law shall be subject to a fine of not more than $10,000. If the employer is a corporation, the officers of the corporation having the responsibility for the general management of the corporation in the State shall be liable for such fine as herein provided. The entire cost of workers' compensation insurance must be borne by the employer. Any employer who deducts any portion of this premium from the wages of his/her employee, entitled to the benefits under this Law, shall be guilty of a misdemeanor.

Who is responsible for providing medical care?

  • The employer and insurer are responsible for the payment of medical care and treatment of the injured employee. All medical bills must be forwarded to your insurance carrier for payment.

Are accident reports required by law?

  • If an accident occurs to an employee that results in disability for a period of more than 3 days, it shall be the responsibility of the employer to report this accident to the Workers ' Compensation Commission on a 'First Report of Injury ' form within 10 days after notice of such accident, whether oral or written. Copies of this report must also be sent to your insurance carrier.  The Employer's First Report of Injury form can be filed online.

    These forms are available free of cost from the Commission and /or your insurance carrier. This is not an employee claim for compensation.

How does an employee file a claim?

  • An employee has the responsibility of filing an Employee's Claim with the Workers' Compensation Commission. These forms are available free of cost from the Commission and the employer shall have them available for their employees at all times.  The Employee Claim Form is also available online.

How is the average weekly wage determined?

  • The average weekly wage of the employee is determined from gross wages, including overtime, and will be based on the information in the Commission file prior to a hearing.
  • The average weekly wage is based on:
    • the average weekly wage earned by the employee during the 14 weeks prior to the accident; or
    • those weeks the employee actually worked during the period.
    • If there is a dispute as to the average weekly wage, it may be resolved either by the submission of a statement of the employee's weekly pay for the weeks prior to the accident OR by a hearing before the Commission. Vacation wages paid shall be included in computing average weekly wage.


Are work permits required?

  • With a few exceptions, every person hired under the age of 18 MUST have a work permit. If an employer fails to obtain a work permit and the minor employee is injured or killed in the course of employment, all compensation and death benefits provided under the Workers' Compensation Laws may be doubled by the Commission. The employer is solely liable for the increased amount of compensation since an employer is not covered under any workers' compensation policy for these additional benefits.


  • Neither an employer or employee can waive provisions of the Workers ' Compensation Law.

Do I need a lawyer?

  • Only Employers who are individuals may represent themselves; however, corporate entities, including LLC's, may NOT represent themselves except through an attorney.


  • All posters or notices prepared and mailed or published online by the Workers' Compensation Commission that give instruction or information about workers' compensation shall be posted in a conspicuous place at the work site.  See the Publications page for more information.

Hearing requests

  • Each request for hearing shall be filed with the Commission in writing and shall state clearly the issues to be raised at the hearing. All hearing requests must be in compliance with the Commission's 'Rules of Procedure".  On the day of the hearing, all necessary papers, medical reports, etc. must be available.
    Most forms are available on our FORMS & INSTRUCTIONS page.

Employers having questions on insurance or premiums should contact:
Maryland Insurance Commissioner
200 St. Paul Place, Suite 2700
Baltimore, MD 21202
(410) 468-2000
(800) 492-6116 Toll free in Maryland

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All necessary forms and materials are supplied by the Workers' Compensation Commission at no charge.  Materials not posted as downloads from this site cannot be emailed, FAXed or transmitted electronically.  When requesting forms or materials, you must provide the form or item's name, quantity needed and shipping information when ordering WCC materials from any of the sources below:

State of Maryland
Workers' Compensation Commission
10 East Baltimore Street
Baltimore, MD 21202-1641

(410) 864-5100
(800) 492-0479  Toll Free Outside Metro Baltimore

711 - Maryland Relay for Hearing Impaired