Learn everything you need to know about worker's compensation insurance in Michigan.
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In 1912, Michigan responded to the rise of industrialization with the adoption of a Workmen’s Compensation Act.
Workmen’s compensation, or workers’ compensation, provides wage replacement, medical care and rehabilitation benefits to individuals injured at work, and protects employers by limiting their liability.
Michigan has a strict workers’ compensation system. Nearly all Michigan employers are subject to the Workers' Disability Compensation Act, and must carry coverage for their employees.
Businesses must cover their employees with a work comp insurance policy if any of the following apply:
If all employees can be excluded according to one of the above exceptions and no subcontractors are used in the operation of the business, the employer can file an exclusion.
Otherwise, the employer must get coverage, but can talk to their insurer about excluding applicable employees from the policy to reduce their premium.
Small business workers’ compensation cost can vary depending on the business. The insurance premium factors in the type of work employees perform, number of employees being covered and past coverage and claims. Learn more about workers’ comp insurance rates >>
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Michigan has a private market. Employers can purchase workers' compensation insurance from any insurance carrier or agency that is licensed to write in that state.
To get workers’ comp coverage:
Most small businesses will start shopping with their local broker or insurance agency. However, many independent agencies can’t or won’t write work comp because it’s often more difficult and less profitable work for them. For straightforward advice and competitive quotes, contact an agency that specializes in work comp.
Michigan also maintains a state fund that competes with the private market. If you’re still having trouble finding coverage, you can contact the Compensation Advisory Organization of Michigan (CAOM).
Premiums vary based on business size, location, industry and claims history. Find out the average small business work comp premium and how much you might pay.
Michigan has some of the most strict workers’ compensation laws in the U.S. Here's what small businesses need to know to be in compliance.
How much for a small business policy? Read on for a step-by-step explanation, along with other factors at play in your final workers’ compensation quote.