Michigan Workers' Compensation Programs

Find More Savings With One of Our Select Workers' Comp Packages.

See our exclusive workers compensation programs for Michigan employers.

We've Michigan covered with affordable programs, easy underwriting guidelines, and super fast quotes. We have work comp programs for most types of businesses including small contractors, landscaping, restaurants, home health agencies, and more. Whether your company is located in Detroit, Grand Rapids, or Lansing, we can help lower your rates and improve cash flow for your business.

Qualify for one of our Pay As You Go, monthly billing, and equal installment programs for even better business cash flow. We work with more than 35 of the best insurance carriers in the country.

Give us a call today or request quotes for your business online.

Our programs target businesses where we have the best opportunity to provide maximum savings. Often times, we've worked out special considerations for underwriting and pricing with some of our insurance partners. More policy discounts and credits may be applied.

Target Programs for MI Workers Compensation

Don't see your business or industry? Don't worry, we've still got you covered.

Michigan Workers Comp
Pay As You Go

Improve Cash Flow- Pay As You Go

Our Pay As You Go workers' compensation insurance plans make it more affordable to buy workers' compensation insurance with little to no money required to start coverage. These plans also help reduce the risk of having a big audit bill at the end of the year because the premium you pay is based on your actual, real-time payroll.


We offer Pay As You Go workers comp from dozens of top-rated insurance companies. We can manage the reporting process directly, set your business up to report and pay the carriers, or work with your payroll provider to collect and pay your premium each pay period or monthly.

Buying Workers' Compensation Insurance in Michigan

Who Needs Coverage in Michigan?

Most employers in Michigan are required to purchase a workers compensation policy to protect their employees from injuries and accidents. Sole-proprietors are not considered employees so they don't need coverage on themselves. If you have one or more employee working more than 35 hours a week you will need coverage. Employers with three or more part-time employees also need coverage.

The Michigan workers comp market is very competitive and there are nearly 250 insurance companies willing to compete for your insurance business. Michigan's competitive rating system promotes healthy competition between carriers and allows market forces to dictate the rates in the state. Most carriers doing business in Michigan are willing to offer policy credits and debits for employers with good track records or lower experience modification factors.

Affordable workmans comp for business owners.

WHAT IF MY INDUSTRY IS NOT LISTED AS A TARGET?

We've got you covered. We write workers' compensation insurance for lots of business types not listed above. Chances are we have the right products and carriers to hep you buy affordable coverage.
  • More than 50 top insurance companies quoting workers comp insurance.
  • Targeted Programs for standard businesses and tough class codes.
  • Start your workers comp insurance quote online or call us at 888-611-7467.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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