Commercial Insurance · Protect your team and your business
Workers' Compensation Insurance
Required coverage that protects employees after a work injury — and protects you.
Workers' compensation covers medical bills and lost wages when an employee is hurt on the job, and it protects your business from most injury-related lawsuits. Michigan requires it for most employers.
We help you get compliant coverage at a competitive rate and keep your experience rating working in your favor.
What workers' compensation insurance can cover
Medical expenses
Treatment costs for work-related injuries and illnesses.
Lost wages
Wage replacement while an injured employee recovers.
Employer liability
Protection against most injury-related lawsuits.
Disability & rehab
Benefits for temporary or permanent disability and return-to-work.
Who it's for
Michigan employers with employees — required for most businesses.
Frequently asked questions
Is workers' comp required in Michigan?
Most Michigan employers must carry workers' compensation, often once they have any employees. We'll confirm your obligation and get you compliant.
Related coverage
General Liability Insurance
General liability covers third-party bodily injury, property damage, and related lawsuits — the foundation most businesses (and contracts) require.
Learn moreCommercial Package Insurance
A commercial package (CPP/BOP) combines property and liability — and more — into one flexible, often more affordable policy.
Learn moreCommercial Auto Insurance
Commercial auto covers the vehicles, drivers, and cargo your business relies on — with the higher limits work demands.
Learn moreReady to protect what matters?
Get a free workers' compensation insurance quote and clear guidance from an agent who works for you.