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Michigan Workers' Compensation
In most cases Michigan employers are required to carry workers' compensation if they have employees. Class codes, payroll, and claim history drive the premium. We help businesses get classified accurately and shop carriers that actually want your industry.
Your employees are like family and in the event they are injured, we want to be sure they're properly taken care of if they sustain an injury at work. Likewise, we want to work with you to help prevent possibly accidents and injuries before they happen and help safeguard you as an employer against costly claims.
We have partnered with the best Workers Compensation companies in Michigan to provide not only a competitive price but other benefits to make your business a safe place to work. Some of the unique features of these Workers Compensation programs include:
- Higher Employer Limits up to $2,000,000
- Loss Control Services
- Safety Manuals, Training, and Loss Prevention Materials
- 24-Hour Work Injury Nurse Hotline
- Return To Work Program
- Employee Handbook Assistance
- Fraud Investigation
- Safe Workplace Discounts
- Group Discounts
- Dividend Programs and more
What workers' comp pays for
- Medical Benefits
- Income benefits
- Death Benefits
- Rehabilitation benefits
Need to file a claim?
Start with this Employer's Basic Report of Injury Form and return it to Top O' Michigan
Workers’ compensation, answered
Is workers’ compensation required in Michigan?
Generally yes. Most Michigan employers must carry workers’ comp once they have employees, with the specifics depending on the number of employees and hours worked. It covers work-related injuries and illness. You can confirm requirements with the Michigan Workers’ Disability Compensation Agency.
What does workers’ comp pay for?
It can pay medical benefits for a work injury, income (wage-loss) benefits while an employee can’t work, and death benefits to dependents. Benefits follow Michigan’s workers’ comp rules.
Do I need workers’ comp for part-time or seasonal workers?
Often, yes. Michigan’s requirements can apply based on the number of employees and hours worked, which may include part-time and seasonal help. A local agent can help you confirm what applies to your business.
How are workers’ comp premiums calculated?
Premiums are generally based on your payroll, your industry’s class codes, and your claims history (your experience modifier). We help make sure your business is classified correctly so you’re not overpaying.
What should I do when an employee is injured?
Make sure they get care, report the injury promptly, and start the claim. Reporting quickly protects both your employee and your business, and we can walk you through the process.
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Worker's Comp set up the right way
Tell us about your operation and we will compare carriers that want your industry.