If you work as an independent contractor in Maryland, you may wonder whether you can receive workers’ compensation benefits. It’s a common question, especially when an injury happens on the job. The answer depends on how the law defines your work relationship.
Who qualifies for workers’ compensation?
Maryland law generally limits workers’ compensation benefits to employees. Independent contractors don’t usually fall under this category. But just because you’re labeled an “independent contractor” doesn’t mean the law agrees. Courts look at your actual working conditions.
If your employer controls your schedule, tools, or the way you do the job, you might count as an employee—even with a contractor agreement. That opens the door to benefits if you get hurt while working.
What if you’re truly a contractor?
If you’re genuinely independent, meaning you control your own hours, bring your own tools, and work for multiple clients, you’re likely not covered. You’re responsible for your own insurance in that case. Still, some businesses choose to include independent contractors in their coverage for added protection.
The state doesn’t require it, but some companies carry optional policies that include non-employees. If you’re in a high-risk job—like construction—you should check if your client has that kind of policy.
Why classification matters
Misclassification is a big deal. Some employers wrongly call workers “independent contractors” to avoid offering benefits. If you suspect this happened to you, the Maryland Workers’ Compensation Commission can review your role. You may qualify for benefits even if the company said otherwise.
Your job title doesn’t tell the full story. The law looks at control, supervision, and how integrated your work is to the business.
Know your rights before an injury
Understanding how your work is classified can save you time and frustration. Review your contracts and ask questions before accepting work. When in doubt, look at how much control the business has over your tasks. That detail can decide if you’re covered.