When is my employer required to have workers’ compensation insurance?

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Number of employees needed to trigger purchase requirement for workers’ compensation insurance in Michigan.

Employer InsuranceWe have blogged this week about employers refusing to file workers’ compensation claims and how to check if insurance coverage exists. Today’s focus is on the numerical test that triggers the purchase requirement for employers in Michigan.

Workers’ compensation is designed to protect both employees and employers in the event of a workplace accident. Employees get medical treatment and wage loss benefits regardless of fault. Employers get protection from civil lawsuits.

Private employers who regularly have 3 or more employees are required to buy workers’ compensation insurance. It is also required for private employers who regularly employ at least 1 person for 35 or more hours per week for 13 weeks or longer during the preceding 52 weeks. Households employing domestic help if they employ anyone 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks must have workers’ compensation insurance. All public employers regardless of number of employees should have workers’ compensation insurance.

Watch out for employers who say they don’t have workers’ compensation insurance. Our experience shows this is typically incorrect and used to discourage claims. Uninsured employers are still responsible for payment of workers’ compensation benefits and can be found personally liable.

Michigan Workers Comp Lawyers never charges a fee to evaluate a potential case. Our law firm has represented injured and disabled workers exclusively for more than 35 years. Call (844) 316-8033 for a free consultation today.

Related information:

What’s the big deal about employee misclassification?

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Author Bio Jeffrey Kaufman

Author
Jeffrey E. Kaufman
Michigan Workers Comp Attorney

Jeffrey E. Kaufman has extensive experience in workers compensation cases and has recovered millions of dollars in benefits for his clients. He believes all injured workers deserve to be on equal footing with insurance companies and employers, and fights tenaciously so their rights are secured and protected.


“Jeff also helped me with getting my Blue Cross bills paid. I would absolutely recommend him and the whole firm. Jeff and the firm did everything they were supposed to do for me and my case.”
Ricardo Perfetto

Hundreds of 5-Star Reviews

Related Blog Posts

Get Help From our Michigan Workers’ Comp Lawyers Today

You’re not alone. Our Michigan workers’ comp lawyers have been called the best in the state, and our clients love how they’re treated with care, respect, and responsiveness. We will give you the time you need, we will explain your legal rights, and we will always treat you with respect.

Our workers’ compensation and Social Security disability lawyers always put your needs first. Get to know your legal team.

Our attorneys post regularly about common issues related to workers’ comp, including common injuries, settlement calculations, laws, and more.

Injured? It’s Time to Get Some Answers

Don’t let the insurance adjuster push you around. Request your free consultation today.

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Our attorneys post regularly about common issues related to workers’ comp, including common injuries, settlement calculations, laws, and more.

Our workers’ compensation and Social Security disability lawyers always put your needs first. Get to know your legal team.