Michigan Workers Compensation Insurance-Workmans Compensation

MIchigan Workers Compensation Insurance Rules

Michigan Workers Compensation

1. Does my Michigan business need workers compensation insurance?

Yes, all employers are required by Michigan Law to carry a workers compensation insurance policy.

2. In Michigan is there any exemptions from carrying workers compensation insurance?

There are NO exemptions provided for workers compensation insurance.

3. Does Michigan workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Employers are required to carry workers compensation insurance for any employees, regardless of the relationship. However, a subcontractor/contractor may elect to carry their own workers comp policy. Sole Proprietors are required to provide workers compensation if they employee either one(1) full-time or three(3) part-time employees.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act , courtesy of Cornell University.
Click here for: USL&H Web Site - Dept of labor

Read the complete text of the Jones Act here.

Michigan Workers Compensation

Michigan Workers Compensation Links

News and Legislative Updates
Michigan Workers Compensation Act
Archived Statutes Center
Michigan Workers Comp. Forms
Michigan Administrative Rules
Quick Facts and Contact Information