Workers' Compensation by state
Workers' compensation requirements in Michigan
Required
Direct answer
Does Michigan require workers' compensation insurance?
Yes. Michigan requires workers' compensation coverage once a business has one or more employees (subject to statutory hour and count tests), under the Michigan Worker's Disability Compensation Act. Michigan requires private employers to carry workers' compensation coverage once they meet statutory tests, which generally include regularly employing at least one worker for the required hours or three or more workers at any time.
How the mandate works
Michigan requires private employers to carry workers' compensation coverage once they meet statutory tests, which generally include regularly employing at least one worker for the required hours or three or more workers at any time. Coverage is provided through private insurers or an approved self-insurance program.
- Coverage trigger
- One or more employees (subject to statutory hour and count tests)
- If you go without coverage
- Failing to carry required coverage can result in fines, possible imprisonment for willful violations, and direct liability for an injured worker's benefits.
Notable exemptions
Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.
- Certain small agricultural employers below statutory employee and hour thresholds
- Some domestic workers in a private home
- Sole proprietors, partners, and certain LLC members who may elect out
Statutes and sources
-
Michigan Worker's Disability Compensation Act
Mich. Comp. Laws sect. 418.101 et seq.
Regulator: Michigan Workers' Disability Compensation Agency . Last verified 2026-07-29 from the official source .
Related Michigan compliance pages
Workers' Compensation in other states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Get Michigan coverage handled
Share a few details and an agent will respond within one business day.