Workers’ Compensation Insurance Royal Oak

Your employees play an essential role in your business's success. Unfortunately, employees can suffer injuries and illnesses even in the safest workplaces. This is why workers' compensation insurance is so vital to the success of your business. Workers' compensation insurance, also called workman's comp, is essential for a standard business insurance policy. Coverage is designed to protect your staff from work-related injuries, illnesses, and even death.

Businesses thrive in Michigan with a safe, secure work environment where employees can do their best while helping the company grow. But unfortunately, accidents and illnesses still happen even under the best circumstances.


How Much is Workers Compensation?

Because coverage requirements vary by state, Workers' Compensation insurance cost depends on where your business operates. Other factors that affect your rates include:

  • The number of employees you have.
  • The type of work your employees do.
  • Your claims history.
  • Your industry.

Like all insurance, Michigan workers' comp is priced based on risk. Riskier industries and jobs are more expensive to insure than less risky ones. To ensure prices are as fair as possible, they're determined by classification codes. Each type of work or industry has a unique code that classifies the industry and risk and helps the insurance carrier determine a reasonable rate.

One way to save money on your workers' comp policy is to classify every employee correctly. So, for example, the secretary for a construction firm will have lower rates than the bricklayers.


Is Worker's Compensation Insurance Required?

Workers Comp is a state-mandated insurance program in which lost wages, and medical treatment is covered due to an employee's work-related injury or illness. The plan also covers the necessary services to help employees recover and return to work.

Workers' compensation insurance is required by Michigan law.


Workers’ Comp Insurance Royal Oak


What Does a Workers' Compensation Policy Not Cover?

Employers across the country benefit significantly from workers' compensation. A single policy, however, cannot provide for everything. Often, workers' compensation excludes these types of disasters:

  • Dishonest or intentional acts committed by employees.
  • Accidents involving employees on their way to or from work.
  • Work-related accidents are caused by employee negligence.

When workers adhere to company safety guidelines, their claims for work-related injuries or illnesses are likely approved. Employees who behave negligently, however, often find their claims denied.


How Often Should You Review Your Coverage?

As a rule of thumb, you should review your insurance when you renew your insurance. However, other events could affect your coverage needs. As an independent agent, we strive to keep your coverage comprehensive and are always ready to assist you with any requests for policy reviews.


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