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COVERAGE / WORKERS' COMP / STATES / MICHIGAN
WORKERS' COMP · MICHIGAN

Workers' comp in Michigan.

Michigan requires workers' comp from 3 employees, or 1 working full time. Michigan's own rating bureau sets class codes. You buy coverage from carriers.

REQUIRED
From 3 employees, or 1 working full time
RATING BUREAU
CAOM
CLASS CODES
Not confirmed
BUY FROM
Carriers
WHO MUST CARRY IT

Required from 3 employees, or 1 working full time.

The rule

Michigan requires workers' comp from 3 employees. It also applies with 1 or more employees working 35 or more hours a week for 13 weeks or longer in the preceding 52 weeks. Whether employees in other states count toward it: not confirmed.

Source: Michigan Workers' Disability Compensation Agency, Employer Insurance Requirements (WC-PUB-002, April 2026, PDF), checked October 5, 2026.

Coverage rules: Michigan Workers' Disability Compensation Agency, Employer Insurance Requirements (WC-PUB-002, April 2026, PDF), checked October 5, 2026.

CLASS CODES HERE

Michigan's own rating bureau sets class codes.

Rating bureau

Michigan has its own rating bureau, the Compensation Advisory Organization of Michigan (CAOM).

Compensation Advisory Organization of Michigan (CAOM)

Class system

Not confirmed.

Codes on our pages

Not confirmed for Michigan: which codes on our pages apply here is not checked. An advisor confirms your class codes.

All class codes, by industry

List: CAOM, Manuals, read from an archived copy dated May 12, 2026; not confirmed for the codes on our pages.

ESTIMATE YOUR PREMIUM

Your payroll, your rate, before discounts and assessments.

Your rate comes from carriers that actively write the class.

Payroll in this class
Gross pay for the work in this class. Pre-tax deductions (401(k), Section 125) count. Overtime premium (the extra half) usually does not. Check your state's rules.
For the cost per employee.
PAY FREQUENCY
Your rating
From your quote or policy. Where loss costs are filed instead of rates, as in Texas, they leave out the carrier's expenses and are lower than your rate.
Compares your payroll and claims with the average employer in the same class codes. At 1.00 premium is unchanged; below 1.00 it drops, above 1.00 it rises.
SCHEDULE RATING
0 if your quote shows none.
If your quote shows one.
ESTIMATED ANNUAL PREMIUM · THIS CLASS
Enter your rate
Before discounts and assessments.

Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.

Not included: premium discount on larger policies, state assessments, terrorism and catastrophe charges, minimum premium.Get a real quote

COMMON QUESTIONS

Do I need workers' comp in Michigan?
Yes. Michigan requires workers' comp from 3 employees. It also applies with 1 or more employees working 35 or more hours a week for 13 weeks or longer in the preceding 52 weeks. Whether employees in other states count toward it: not confirmed.
Who sets class codes in Michigan?
Michigan's own rating bureau, the Compensation Advisory Organization of Michigan (CAOM). Its class system: not confirmed. An advisor confirms your class codes.
Is Worklio Insurance licensed in Michigan?
Worklio Insurance Services LLC's producer is licensed in Michigan, and the agency license there has been applied for. See insurance licenses

SOURCES

Figures as of May 12, 2026.

For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.

MORE ON WORKERS' COMP

ALL STATESWorkers' comp by stateWho must carry it, who sets class codes and where to buy, in each state.ALL CLASS CODESEvery code, by industryOffice, sales and the codes for each industry we serve.COVERAGEWorkers' compPay-as-you-go premiums billed with each payrollWORKLIO HCMPayroll taxes in MichiganEmployer payroll tax rates, on Worklio HCM.

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