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MI — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in Michigan.

From the Motor City to the Upper Peninsula, we've got Michigan businesses covered.

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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.

Key Industries in Michigan

Advanced ManufacturingAutomotive & MobilityHealthcare & Life SciencesAgriculture & Food ProcessingConstruction & Skilled TradesTourism & Hospitality

Workers' Compensation in Michigan: 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.

Michigan 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.

Workers' Comp Rate Details — Michigan

Index Rate
$0.90
per $100 payroll
National Rank
#36
of 51 jurisdictions
vs. Median
17%
below national median
Required At
1 employee (3+ for agricultural)
Below Average Cost
  • •Required for employers with 1+ employees (3+ for agricultural)
  • •Michigan Accident Fund is the state fund

Penalty for non-compliance: Misdemeanor; fines up to $1,000 per day; employer liable for all costs

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — Michigan

Min. BI Liability
50/100
per person/accident ($K)
Min. Property Damage
$10,000
PIP Required
Yes
No-Fault State
Yes

No-Fault State: Michigan uses a no-fault auto insurance system. Personal Injury Protection (PIP) covers your own injuries regardless of fault. This affects how commercial auto claims are handled and may require additional coverage.

  • •No-fault state with the highest PIP requirements in the nation (up to $250K)
  • •Higher BI minimums (50/100)
  • •$1M property protection within Michigan

Regulatory Overview — Michigan

Key Facts

  • •WC rates are 17% below the national median
  • •No-fault auto state with the most expensive PIP requirements in the U.S.
  • •PIP reform in 2020 reduced but still allows up to $250K coverage
  • •Automotive industry drives significant commercial insurance demand
Compare all 50 states

Michigan Insurance FAQ

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Free: Workers' Comp State Requirements Checklist

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