Buy affordable workers'compensation in Michigan onlinein less than 5 minutes

The State of Michigan requires employers to purchase workers’ compensation coverage if they have at least one employee working “35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.” Sound confusing? Here’s a simpler criterion you might meet: If you have 3 or more employees—including part-time workers!—then you need workers’ compensation. This is per the century-old Workers’ Disability Compensation Act, which is enforced by Michigan’s Workers’ Disability Compensation Agency.

Through their workers’ compensation benefits, injured workers are entitled to medical care, vocational rehabilitation, wage loss benefits, and more, which would otherwise cost you (the employer) thousands upon thousands of dollars. 

If you employ at least one person for your business, even on a part-time basis, workers’ compensation should be the cornerstone of your Michigan small business insurance policy. But your premium costs don’t have to break the bank. See what you might pay for Huckleberry workers’ compensation by getting a free quote now. (It’s completely online and only takes a few clicks.)

Insurance companies use various factors to determine rates: where you’re located, how high-risk your work environment is, and what your business’s accident track record is like, to name a few. But also, the size of your payroll comes into play when calculating your premium. With more workers at your company, the higher the likelihood someone will meet with an accident on the job.

But how much will you have to pay? Workers’ compensation policies are like snowflakes in a Michigan winter; no two are alike. What we do know is this: Huckleberry customers who bought workers’ compensation coverage in Michigan have paid an average of $104 per month in premium. But we’ve seen Michigan business owners spend as little as $19 per month for this very same coverage. It all depends on your specific business and insurance needs. 

That’s nothing compared to the legal costs associated with a workers’ compensation case if you don’t have coverage. (And trust us—those workers’ compensation attorneys don’t mess around.) So get a free workers’ compensation estimate now and find out just how little you can pay...to avoid having to pay big time in the future.

Suppose an employee of yours suffers a work-related injury. They slip on a wet floor while mopping, burn themselves on a hot stove, tear a ligament due to overuse…the list of hypotheticals goes on. Under state law, this injured worker is entitled to file a workers’ compensation claim. Your insurer may then pay out a set amount for medical bills, wage replacement, rehabilitation services, or more. 

After seven days off the job (including weekends and holidays), your employees are entitled to wage-loss benefits, starting on the eighth day. Disability benefits kick in if that worker is out of commission for 14 days after that or longer. These weekly benefits are a percentage of that worker’s average weekly wage.

Sometimes workplace injuries (or even illnesses) are more severe than a broken bone or a scald that can leave a worker out of commission for a few weeks. Workers’ compensation benefits can extend to more comprehensive medical treatment, permanent disability benefits, or even death benefits...as tough as that is to think about. Costs associated with job retraining can be covered under workers’ compensation, too, if and when that worker has to relearn the motions of their job.

Is anyone exempt from workers’ compensation benefits in Michigan? Sure, family members, “partners” at your business (think law firm), corporate officers, and employees of LLCs (so long as all employees of that LLC are members, managers, and own 10 percent interest in the business) may elect to be excluded. But if so few as one part-time worker in your business does not fall into these categories, you need a workers’ compensation policy ASAP. From there, you may be able to exclude any of the above parties from your policy and save some premium dollars in the process.

1. It’s affordable. You could save up to 32% on your workers’ compensation policy. 
2. It’s online. You’re just a few clicks and easy questions away from optimal coverage. 
3. It’s fast. Get the coverage you need in minutes—because you have better things to do.
4. It’s convenient. No need to leave the couch, home office, or work site.