Workers Comp Rates in Michigan (MI)

Michigan workers comp rates are approximately 5% above the national average. Here's what Michigan business owners need to know about classification and premiums.

Michigan Workers Comp Overview

Michigan requires coverage for businesses with 1+ employees working 35+ hours/week. The state has its own competitive rating system. Manufacturing businesses in MI should pay special attention to classification accuracy.

How Michigan Rates Compare

With a state modifier of 1.05x, a business in Michigan paying $10,000 in base premium nationally would pay approximately $10,500 in MI. This makes proper classification even more important in high-rate states like Michigan — every misclassified employee costs more.

The most impactful thing a Michigan business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In MI, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Michigan rates and requirements are subject to change.