Michigan Workers’ Compensation Insurance

Worker’s Compensation Insurance

Michigan’s workers’ compensation system is in place to protect workers who are injured or killed on the job and those who have an occupational disease as a result of employment. Workers’ compensation also helps to protect employers by limiting their liability.

woman in bookstore

The state of Michigan requires businesses to purchase workers’ comp if:

  • A private employer has 1 or more full-time employees (35 hours or more per week for 13 weeks or longer)
  • A private employer has 3 or more employees at one time (including part-time employees)
  • An agricultural employer has 3 or more employees working 35 hours or more per week for 13 or more consecutive weeks
  • A household employs 1 or more domestic servants for 35 hours or more per week for 13 weeks or longer
  • An employer is a public employer

Benefits of Retailers Insurance Company

  • Employers liability limit is $2 million – much higher than the standard $500,000.
  • Enterprise Cyber Liability, standard with every work comp policy, provides $100,000 of protection for privacy regulation coverage due to a security breach, coverage for electronic theft of funds, PCI re-certification services, crisis management and fraud prevention. It also includes sub-limits for ransomware, telecommunications theft and social engineering fraud. 
  • Automatic terrorism coverage.
  • Discounts for employers who have implemented safe workplace practices.
  • Several convenient payment options.
lumber warehouse worker
woman in doctors office

Discounts Available If You Have:

  • Employee health insurance program
  • Pre-employment medical exams
  • Drug-screening program
  • Video surveillance system
  • Light-duty return-to-work program
  • Active safety program
  • Employee assistance program
  • Exceptional MOD history

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