Small-business cover in Michigan.
In Michigan, workers’ comp is required at 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. Michigan's Workers' Disability Compensation Act sets dual triggers: employers must carry coverage if they have 3 or more employees at one time (any schedule), or if they regularly employ one or more employees 35+ hours per week for 13+ consecutive weeks. Many residential builders and trades require state licensure. Regulated by the Michigan Department of Labor and Economic Opportunity (WDCA).
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Michigan starts with workers' compensation, required at 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, plus the general liability that most clients and licenses ask for before you can take a job.
What does Michigan require?
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[C]Michigan workers' compensation threshold
Michigan's Workers' Disability Compensation Act sets dual triggers: employers must carry coverage if they have 3 or more employees at one time (any schedule), or if they regularly employ one or more employees 35+ hours per week for 13+ consecutive weeks. Many residential builders and trades require state licensure. Regulated by the Michigan Department of Labor and Economic Opportunity (WDCA).
What licensing and bonding does Michigan require?
- Residential builder/maintenance & alteration contractor licensing applies to many trades
- Coverage thresholds tied to employee hours — verify per situation