# Insurance (GIN)

## Title 19. Property and Casualty Insurance

### Subtitle 4. Workers' Compensation Insurance

#### Section 19-405

When a workers' compensation insurance policy is renewed, the insurer shall give the employer a conspicuous written notice that:

(1) the employer must have a work permit for each minor employee as required by Title 3, Subtitle 2 of the Labor and Employment Article; and

(2) if the employer does not have a work permit for a minor employee:

  (i) the State Workers' Compensation Commission may award twice the compensation and death benefits otherwise allowed under Title 9, Subtitle 6 of the Labor and Employment Article in a claim by that employee or that employee's dependent; and

  (ii) the employer is solely liable for any increase in compensation or death benefits in a claim by that employee or that employee's dependent.

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Md. Code Ann., Ins. (as displayed at mgaleg.maryland.gov, October 16, 2026)