Types of Insurance


Insurance Help


Log In

Workers Compensation Michigan

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant?

(646) 844-9933

Frequently Asked Questions

What if I am self-employed in Michigan? Do I need Workers' Compensation?

In most cases, the employees of a sole proprietorship in Michigan are required to have Workers' Compensation coverage. The owner, however, is not considered to be an employee and is not required to have coverage for Workers' Compensation.

Where can I buy Workers' Compensation in Michigan?

Michigan is not a monopolistic state and it does not have a state fund for insurance, making open market providers your source for Workers' Compensation coverage in Michigan. You can purchase coverage through insurance agents or brokers licensed to sell business insurance within the state. Online portals, such as CoverWallet, can be a valuable resource to purchase Workers' Compensation coverage along with other essential insurance coverages for your business.

How Much Does Michigan Workers' Compensation Cost?

Michigan, along with a handful of other states, uses an independent bureau to help assign Workers' Compensation class codes to business industries based on risk. The class code assigned to your business, combined with your safety or claims history and your payroll all play a role in determining the rate for your business. CoverWallet can give you a quote.

What Does Michigan Workers' Compensation Cover?

Workers' Compensation coverage in Michigan provides wage replacement for lost wages due to workplace injuries, as well as medical and rehabilitation benefits for workers who suffer a work-related injury or occupational illness. Wage replacement is typically about 80% of your after-tax earnings but may vary.