Workers' Compensation Guide

Michigan has a very competitive workers’ compensation insurance (WC) insurance system. Michigan’s “open competition” system allows competitive market forces to set the WC insurance rates. Thus, Michigan companies can shop among more than 220 insurance carriers for the best, lowest-cost prices.

With such a wide-range of cost-savings opportunities, Michigan businesses can play a significant role in containing their costs for WC coverage. Our web site aims to provide companies with information that can help companies understand and navigate through the WC insurance system.

The “Guide to Michigan’s Workers’ Compensation System” is presented by topic in the left margin. Each section provides detailed information about the workings of Michigan’s workers’ compensation insurance system.

A new feature to our guide on the web is a new “Workers’ Compensation Cost Estimator.” This tool can help you understand the cost structure of WC insurance and help you explore potential cost saving strategies. Also, the Michigan Economic Development Corporation (MEDC) has staff available to help answer specific questions about WC insurance. Click here to go directly to the new cost estimator.

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