Michigan workers' compensation rates may decrease in 2023.

Michigan is a unique state because the state allows insurance companies to set their own rates for each workers' compensation class code. Most other states set the rates and allow adjustments via underwriting credits and debits. Michigan has allowed this open competition system since 1983 and it has proven to work well.

Average workers compensation rates in Michigan are about 22% below the median rates for the United States. This means that employers in Michigan are paying less premium for the same class codes as employers in 37 other states.

The downside of Michigan's competitive rating system is that rates can vary significantly between insurance companies. Employers are advised to shop multiple carriers to help ensure they are getting a good deal on their policy.

Don't pay too much for your workers' comp coverage. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.

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Workers Comp Rates are an Art & Science

What influences my workers comp insurance cost?

Your State & Class Codes

Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.

Your Claims or Losses

Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.

Prior Experience & Coverage

Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.

Policy Credits and Debits

Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.

Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.

Michigan Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

Michigan is not an NCCI state. All rates are administered by the Compensation Advisory Organization of Michigan (CAOM). The workers' compensation rates listed below for Michigan represent current insurance rates found for 2023. Private insurance companies are permitted to offer policy discounts and underwriting credits on coverage. We offer Pay As You Go workers' comp in Michigan. Not all employers will qualify for the lowest rates available or maximum policy credits.

Class Code & Description Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.13 $1.95
0042 Landscaping Service $2.38 $4.07
0106 Tree Trimming- Pruning- Removal $4.95 $8.49
2003 Doughnut shop, Bakery or retail $1.61 $2.87
2121 Breweries- Craft Beers $1.21 $1.36
2143 Winery- Wine Makers $1.13 $1.90
2585 Carpet Cleaning $1.29 $2.21
2586 Dry Cleaning and Laundry Service $1.04 $1.77
3632 Machine Shop $1.61 $2.89
3724 Garage Door Installation $1.74 $3.05
5022 Masonry Construction $3.51 $6.17
5102 Door and Window Installers $3.88 $5.94
5183 Plumbing Contractors $1.64 $2.89
5190 Electrical Work- Electrician $1.23 $2.16
5191 Alarm Installation and Repair $0.47 $0.81
5221 Concrete Work- Flat Work Cement $2.68 $4.69
5223 Pool Installation- Pool Maintenance $2.56 $4.50
5348 Ceramic, Tile and Stone Work $2.74 $4.81
5437 Trim- Finish Carpenters- Cabinets- Countertops $3.61 $6.33
5437* Floor Installers- Wood-Carpet-Laminate $3.61 $6.33
5445 Drywall Contractors $2.84 $4.97
5476 Painting Contractor $2.94 $5.17
5538 Metal Building Construction $2.49 $4.16
5550 HVAC- Heating and Cooling Service/Repair $2.16 $3.79
5550* Solar Energy Contractors- Installation $2.16 $3.79
5551 Roofing Contractors $10.51 $18.51
5606 Asphalt & Paving Work $0.83 $1.10
5645 Residential Construction- Home Builders- Remodelers- Siding $6.23 $10.99
6217 Excavation and Grading Work $2.46 $4.31
6400 Fence Installation & Repair $3.42 $6.03
7208 Towing Company $5.72 $9.39
7219 Trucking- Short Haul and Long Haul $3.37 $5.82
7230 Package and Parcel Delivery $3.11 $5.39
7380 Non-Emergency Medical Transportation- $2.71 $4.69
7382 Taxi- Limousine- Airport Shuttle $1.45 $2.51
7720 Security Guards- Patrol Officers $1.14 $1.99
8006 Gas Stations- Convenient Stores $0.91 $1.55
8017 Retail Stores- Merchandise- Cannabis Dispensary $0.60 $1.03
8265 Salvage Yard-Auto Recycling $2.96 $5.07
8292 Warehousing and Storage Facility $1.80 $3.09
8393 Auto Body Repair $1.02 $1.74
8395 Auto Service and Repair- Mechanic $1.32 $2.25
8742 Sales Professional $0.12 $0.23
8810 Clerical- Office Employee $0.07 $0.12
8829 Nursing Homes and Assisted Living Facilities $1.21 $2.08
8831 Animal Shelters and Kennels- Veterinarian $0.65 $1.12
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.13 $0.24
8835 Home Healthcare Workers $1.25 $2.16
8868 Religious Organization- Church- Temple $0.18 $0.32
8869 Child Care Center- Daycare Providers $0.30 $0.54
9015 Property Management- Leasing Agent $1.71 $2.94
9015* Shooting Range- Amusement Park $1.71 $2.94
9015** Building Maintenance-Campgrounds-Camps-RV Parks $1.71 $2.94
9052 Hotels and Motels $0.80 $1.38
9058 Restaurants- Catering $0.60 $1.03
9058* Mobile Food Truck- Food Cart- $0.60 $1.03
9058** Bars-Taverns-Nightclubs $0.60 $1.03
9060 Golf Courses and Country Clubs $1.96 $1.66
9063 Fitness Center- Health Clubs- YMCA Programs $0.48 $0.80
9102 Lawn Service and Maintenance $1.48 $2.58
9402 Septic Tank Cleaning- Portable Toilets $2.00 $3.65
9403 Refuse Collection- Garbage- Trash Service $3.54 $6.12
9519 Electrical Equipment Repair and Service $2.43 $4.15
9521 Flooring Installation $1.58 $2.72

Workers comp rates vary by industry classification codes and insurance company underwriting standards in Michigan. Employers' who have an Experience Modification Rate (E-mod) assigned to their company may have additional credits or debits applied to their insurance rates based on prior premiums and workers' compensation loss experience. There is a competitive State Fund in Michigan: The Michigan Workers' Compensation Placement Facility. Get free insurance quotes or get help find multi-state workers compensation.

State Resources for Michigan

Michigan Workers' Compensation Agency

State Secondary Complex
General Office Building
7150 Harris Drive, 1st Floor
Dimondale, Michigan 48821
MI Workers' Compensation Agency

Compensation Advisory Organization of Michigan

17197 N Laurel Park Dr., Suite 311
Livonia, MI 48152
Compensation Advisory Organization of Michigan

Michigan is not under the Jurisdiction of the National Council for Compensation Insurance (NCCI). The state has its own rating bureau managed by the Compensation Advisory Organization of Michigan (CAOM).

Our agency can help employers find more affordable workers' compensation insurance than the guaranteed state fund workers' comp in MI. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy through the Michigan Workers' Compensation Placement Facility.

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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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