Commercial Insurance in Michigan.

Michigan commercial insurance from the Motor City to the UP. Workers' comp, GL, and no-fault-aware commercial auto built for automotive, trades, and tourism.

Michigan's diverse economy, from advanced manufacturing in Detroit and Grand Rapids to agriculture and tourism, requires specialized insurance solutions. Whether you're a manufacturer, a contractor, or a tech firm, RISKX provides tailored commercial insurance to protect your Michigan-based business from the unique risks it faces.

Workers' Compensation Requirements

Workers' compensation is required. Michigan requires workers' compensation for businesses with 1 or more employees working 35+ hours per week, or 3 or more employees at a time. It is a competitive market, allowing for private insurance.

Key Industries

• Advanced Manufacturing
• Automotive & Mobility
• Healthcare & Life Sciences
• Agriculture & Food Processing
• Construction & Skilled Trades
• Tourism & Hospitality

Regulatory Notes

• Workers' comp is required for employers with 1+ full-time or 3+ part-time employees.
• Michigan is a no-fault state, which impacts commercial auto insurance requirements.
• Specific regulations apply to industries like transportation and healthcare.
• Seasonal businesses have unique workers' compensation considerations.

RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]