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Get your business covered by Zenployers in the Great Lake State
Michigan Workers' Compensation
Michigan is known for Its beauty from the Upper peninsula to the lower peninsula. However, the Great Lake State offers more than just beauty and is known for its many small businesses and corporate headquarters.
Michigan business industry experienced rapid growth in the past few years. The state is known for its many friendly beaches for summertime, ski resorts for wintertime, and scenic pictured rocks. Major Michigan industries include Manufacturing, tourism, and agriculture. General Motors, Ford Motors, DTE Energy, and Whirlpool are all headquartered in the state.
Small businesses in Michigan employ more than 1.8 million people. This accounts for 49% of the state’s private, and with more than 140,000 workplace injuries and 155 fatalities across all industries in 2018, small businesses need to make sure they have workers’ compensation insurance coverage.
Large businesses in Michigan also self-insure and set aside funds that are dedicated to workers’ comp. Zenployers is a perfect match for this as well.
Some facts about Michigan Workers' Compensation
WC Overview
Michigan has essentially a no-fault system workers’ compensations system. That means it doesn’t matter if an employee caused their own injury by being careless. If they are otherwise eligible, they are entitled to benefits. However, there are some exceptions.
WC Exceptions
  • Elegible farm workers
  • Independent contractors
  • Sole Proprietorships
  • Partnership
  • Stock Corporation
  • Limited Liability Corporation
WC Coverage
  • Medical Care
  • Doctor visits
  • Hospital visits
  • Prescriptions
  • Physical therapy
WC Payouts
Your worker’s comp insurance must pay for your employee’s medical treatment from day one for any work-related injury. Work-related illnesses are also covered under workers’ compensation law. Illnesses or conditions caused by exposure to harmful conditions (such as mold) or products (such as caustic chemicals) are all covered. If your employees are injured in this way at work in Michigan, they may be entitled to benefits under workers’ compensation law.
Fatal injuries were ages 55-64
Fatal injuries were male
Fatal injuries were self-employed
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