What is workers' compensation insurance?
Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.
Who needs workers’ compensation insurance?
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Workers’ compensation insurance coverage is required by law in Michigan. Choosing to forgo workers’ comp coverage puts your company at high financial risk. You can face a lawsuit for workplace injuries and even be fined for breaking the law.
Keep in mind, workers’ comp insurance protects both your employees and small business. For example, employees who accept workers’ comp benefits typically can’t sue you for injuries or lost wages.
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They can, however, sue you for things that aren’t covered under workers’ comp, such as negligence. In these instances, employer’s liability insurance can help protect your business. Most workers’ comp policies include this coverage.
No-nonsense Coverage for your Crew
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You can get a quote by answering a few questions online, by phone, chat, or email.
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We'll do the shopping for you so you can be sure you've got the right price.
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Our team of insurance professionals know the ins and outs of workers' comp.
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We listen closely and design the plan suited to your needs.
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As your Independent Insurance Agency, we have connections with some of the top rated insurance companies which allows us to find competitive rates and the right coverage for your business needs.
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We're not bound to a single insurance carrier, we represent you and your specific needs.
