Trade × state guide
Insurance for food truck businesses in Michigan.
In Michigan, food truck businesses usually need general liability and commercial auto. On workers' compensation, Michigan's rule is: Required if employer has 3+ employees at any time (including part-time), OR has 1+ employee working 35+ hours/week for 13+ weeks in the preceding 52 weeks.[S]Michigan workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Michigan.
- Residential builder/maintenance & alteration contractor licensing applies to many trades
- Coverage thresholds tied to employee hours — verify per situation
§ 02
Required cover
Coverage food truck businesses typically need.
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