BusinessWorkers’ comp
Business insurance
Workers’ compensation
Medical care and lost wages for employees hurt on the job. Required in Michigan once you have employees.
In plainEnglish
Workers’ compensation pays employees’ medical bills and part of their wages after a work injury, and in exchange protects the employer from most injury lawsuits. Michigan requires it for most employers with one or more employees, and general contractors expect subcontractors to carry it.
Covers
- Medical treatment for work injuries
- Partial wage replacement
- Employer liability for related suits
Doesn’t cover
- Injuries outside the course of employment
- Independent contractors, in most cases
- Owners who elect out
Who needs it
- Any Michigan employer with employees
- Subcontractors asked for a certificate
- Sole proprietors who want coverage for themselves
When itcomes up
Situations & professions
Where workers’ comp shows up in real life.
Nextstep
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