Workers' Compensation Insurance in Michigan
Michigan law requires it for most employers. We make compliance easy and ensure your employees — and your business — are properly protected.
What Is Workers' Compensation?
Workers' compensation insurance is not optional for most Michigan businesses — it's a legal requirement. Michigan law mandates workers' comp coverage for any employer with 3 or more employees, or any employer with 1 or more employees who works 35 or more hours per week. This coverage pays for medical bills, lost wages, and rehabilitation costs when an employee is injured or becomes ill due to their job. It also protects your business from employee lawsuits over workplace injuries. Non-compliance in Michigan results in significant fines, penalties, and personal liability — so getting this right matters.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Covers all reasonable and necessary medical treatment for work-related injuries and illnesses — hospital visits, surgery, prescriptions, and ongoing care.
Pays the injured employee approximately 80% of their after-tax average weekly wage during their recovery period.
If an employee can't return to their original job, workers' comp covers retraining and job placement assistance.
Provides long-term benefits if an employee sustains a permanent injury that limits their ability to work.
Pays funeral expenses and ongoing income replacement to dependents if an employee dies from a work-related injury or illness.
Protects your business from civil lawsuits by injured employees who claim employer negligence contributed to their injury.
Who Needs This Coverage
Michigan law mandates coverage at this threshold. Non-compliance exposes business owners to personal liability and fines.
Even a single full-time employee triggers the workers' comp requirement in Michigan.
High-risk industries face more frequent and more severe workplace injuries — proper coverage is especially critical.
Slips, cuts, and burns are common in food service environments. Workers' comp is essential.
Physical labor and machinery create significant injury risk that requires robust workers' comp coverage.
If subcontractors don't carry their own coverage, you may be liable for their injuries as a statutory employer.
Frequently Asked Questions
Get Compliant — and Get Protected
Michigan workers' comp requirements are strict. We make it simple, find you the best rate, and ensure you're fully covered.