Workers Compensation Michigan

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Michigan Workers Compensation at a Glance

  • Workers’ Compensation Requirements for Michigan

  • Exceptions for Workers’ Compensation in Michigan

  • Help your employees understand their Workers’ Compensation coverage

  • Avoid Michigan’s penalties for Workers’ Compensation non-compliance

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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.

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References for Workers Compensation in Michigan

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

Workers' Compensation Agency (WCA) - Michigan

2501 Woodlake Circle, Okemos, Michigan, 48864
Mon through Fri from 8:00 AM to 5:00 PM
Visit the website

Michigan Department of Insurance and Financial Services

530 W Allegan St, 7th Floor, Lansing, Michigan, 48933
Mon through Fri from 8:00 AM to 5:00 PM
Visit the website

The content provided on this page is intended for general information purposes only and is not represented to be error free nor is it intended to constitute an offer, inducement, promise or contract of any kind for you to rely upon. The information and data linked to by CoverWallet are provided as a courtesy and are not intended to nor do they constitute an endorsement by CoverWallet of the linked materials. To get accurate information for your business and industry we recommend you to contact a licensed insurance agent or attorney.