Workers' Compensation Insurance

workers compensation insurance michigan

What Is Workers’ Compensation Insurance?

If you employ one or more employees, you are required by law to have workers' compensation insurance in Michigan.

This insurance covers your employee(s), should they get injured on the job or become ill due to their work; no matter who is at fault.

Additionally, workers compensation insurance pays the employee’s wages while they recover, and pays for medical and rehabilitation costs.

Give us a call today to learn more about workers’ compensation insurance in Michigan.

What Are The Types of Workers' Compensation Insurance?

There are three (3) types of workers’ compensation insurance:


In the state of Michigan, most employers obtain workers compensation insurance through private insurance companies.

We work with several carriers that provide workers’ compensation coverage for our business customers.

Interested in learning more about workers’ compensation insurance in Michigan? Contact us today.

Individual-Self Insurance

Financially sound employers are typically “self-insured.” However, in order to qualify as a self-insured entity, you must receive permission from the Workers' Disability Compensation Agency to move forward.

If you undergo this process, you must prove that you’re financially sound and able to pay claims when they’re submitted.

Group Self-Insurance

This is when groups of employers in the same industry pool their workers' compensation premiums for the purpose of meeting their obligations under the Workers Compensation Act (WCA).

This provides an alternative to commercial insurance; however, the Workers Compensation Agency must review and approve this plan annually.

Interested in learning more about workers’ compensation insurance in Michigan? Contact us today.

Which Employers Must Carry Workers' Compensation Coverage?

In the state of Michigan, all employers that fall under these requirements must provide workers' compensation coverage:

  • All public employers
  • Private employers that are regularly employing 3 or more employees at one time, including part-time employees
  • Private employers that are regularly employing 1 or more employees at 35 hours or more per week for 13 weeks, or longer, during the preceding 52 weeks

At Insurance Network Agency, we cater to your needs and will find you the right kind of workers' compensation coverage for your business. Contact us today to get started.

BBB Insurance Network Agency Accreditation


Our agents are ready to ask the right questions to help you get the best coverage at the best price. Request a proposal now.

Skip to content