Workers' comp
Workers' compensation protects your employees when they're hurt on the job and protects your business from the lawsuits that could follow.
Michigan requires most employers to carry workers' compensation. Beyond compliance, a well-managed program with strong safety practices and prompt claims handling keeps your premiums under control.
What's covered
Medical expenses
Pays for treatment of work-related injuries and illnesses.
Lost wages
Replaces a portion of income while an employee recovers.
Rehabilitation
Covers physical therapy and return-to-work programs.
Employer's liability
Defends you if an employee sues over a workplace injury.
Safety & claims management
On-site loss control evaluations, claim reviews and program design to reduce costs.
Pay-as-you-go billing
Premiums based on actual payroll to avoid large audit bills.
Who it's for
- Employers of every size
- Contractors
- Restaurants
- Health care
- Manufacturers
- Retail
Alternative risk for larger employers
For organizations with significant premiums, we analyze your exposures and claims experience to build custom solutions, including captives, self-funded programs and large deductible programs.
Common questions
Am I required to carry workers' comp in Michigan?
Most Michigan employers are. Requirements depend on how many employees you have and how many hours they work, so ask us and we'll confirm for your business.
Why did I get a bill after my policy ended?
Workers' comp premiums are estimated up front and adjusted at audit based on actual payroll. Pay-as-you-go billing helps avoid surprises.
How can I lower my workers' comp costs?
Safety programs, prompt claim reporting and return-to-work plans all help. Our loss control resources are designed to reduce both injuries and premiums.
Have questions about your policy?
Talk to a licensed agent who knows your file. We'll review your coverage, answer questions and find savings where we can.