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Michigan Workers Comp Rates

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Michigan Workers Comp Rates

Michigan workers' compensation rates continue to increase in 2018.

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.

Workers Compensation rates in Michigan are, on average, about 9% 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 35 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.

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Questions? Call 888-611-7467 Today for Help With MI Workers Compensation Rates

MI Rates for Select Work Comp Class Codes Workers Compensation Icon.

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 the current insurance rates effective 1/1/17. 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

Low Rate High Rate

0042 Landscaping

$6.33 $6.33

3632 Machine Shop

$3.75 $3.75

3821 Salvage Yard

$11.04 $11.04

5022 Masonry

$8.28 $8.28

5102 Door & Window Installation

$5.10 $5.10

5183 Plumbing (Under $21/hr)

$3.63 $3.63

5190 Electrical Wiring (under $28/hr)

$2.75 $2.75

5191 Office Machine Installation

$1.10 $1.10

5221 Concrete Construction

$6.41 $6.41

5348 Tile Installation

$6.90 $6.90

5437 Carpentry Trim

$6.36 $6.36

5476 Painting

$7.30 $7.30

7219 Trucking

$6.39 $6.39

8006 Gas Station

$2.15 $2.15

8017 Retail Store

$1.31 $1.31

8395 Auto Shop

$2.00 $3.65

8742 Outside Sales Person

$0.29 $0.29

8810 Clerical-Noc

$0.16 $0.16

8832 Docotors Office

$0.30 $0.30

8835 Home Health Care

$2.78 $2.78

9015 Building Operations By Contractor

$3.57 $3.57

9052 Hotel Emloyees

$2.04 $2.04

9058 Restaurant

$1.33 $1.33

9102 Lawn Care

$4.15 $4.15

9521 Flooring Installation

$2.83 $2.83

Workers comp rates vary by industry classification codes and insurance company underwriting standards in Michigan. Employers' who have an Experience Modification Rate 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.

Pricing Workers Comp in Michigan

Workers' compensation insurance rates are set based on the job classification of each employee to be covered by a policy. Each class code refers to the type of work each employee performs. Insurance carriers establish a premium rate for each job classification.

Rate adjustments are another important aspect in pricing workers' comp in Michigan. Even though an insurance company must set its rates and file them with the Compensation Advisory Organization of Michigan (CAOM), they are still allowed to issue premium discounts and policy credits on each policy. In some cases, these policy credit and discounts can amount to rate adjustments up to 25% of standard premium.

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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

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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 coverage in MI. If we can't find coverage with a private insurance provider we can help buy a state fund policy through the Michigan Workers' Compensation Placement Facility.

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How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

Workers comp insurance rates   Start your quote online or call us at 888-611-7467

Workers comp insurance rates   We will shop your policy with our MI carriers.

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Michigan Work Comp:   Michigan | MI Programs| MI Rates | MI Forms | MI Info | MI Quotes
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We've spent the last 10 years building and tracking class codes and rates by state and insurance carrier. Our management system enables our in-house agents to quickly match your business with the insurance companies ready to offer you their best price on work comp. Get more credit and discounts on your policy.

Give one of our Michigan workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Michigan Agency License: 0092497
National Producer Number: 5064979

Contact a Michigan Workmans Comp Specialist