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Simple process. Affordable price. 115+ industries & growing.

Michigan Businesses We Cover with Workers’ Comp Insurance

Michigan Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Michigan Businesses

Worker’s comp insurance for the Great Lake State.

In case you haven’t noticed, Michigan is in full renaissance mode. Still heavily reliant on automotive manufacturing, the state has also attracted advanced manufacturing and turned an eye to agriculture. Move over Hallmark Channel, Michiganians have a reason to celebrate Christmas all year! They are the third largest live Christmas tree producer with the broadest varieties of trees cultivated in the nation. Cherries, soybeans, cattle, hogs, eggs and wheat are all helping to turn around the Michigan economic picture.

Automotive manufacturing still is the driver of this economy. Companies like Ford and GM are reinventing the assembly line and creating a new, smarter system to meet today’s high-tech demands. Detroit’s plants of today have production lines for the standard gas and diesel vehicles, but also for electric, hybrid and plug-ins.

Once the poster child for industrial decline, Detroit is rewriting their story and courting advanced manufacturing centers, which have grown more than 35% since the recession. That’s new jobs for line workers, engineers, IT, construction, and office jobs. Additionally, there are small businesses supporting their needs and those of their employees every step of the way.

Small businesses are forging new paths to bring back Michigan’s prosperity, and today 870,301 small businesses, about 99.6% of all companies in the state, employ 1.8 million employees, about 49% of the total state’s workforce.

Michigan is a magical state too. It’s not just the access to lakes and recreational activities with clean air and beautiful scenery. Colon is the resting place of magician Harry Blackstone Sr. and the home of several magic supply manufacturers. Save your soda cans for a 10-cent rebate; Kramer and Newman were onto something in that 1996 Seinfeld episode. Cherry fans head to Traverse City each July for the week-long festival, and as kids we sent in box tops for cereal box prizes to Kellogg’s in Battle Creek. Generations of Michiganians were given Vernor’s ginger ale as a cure-all growing up, and now those home-grown solutions are filtering to the rest of the country. Michigan’s lakes are prime camping territory, but watch out for the melon heads and the Michigan Dogman!

Workers’ comp insurance is a necessity as a Michigan small business owner. It’s the law, but also a smart business practice. Let’s say your gift shop’s centerpiece is a life-size Darth Vader celebrating UM grad James Earl Jones. Geeks from hundreds of miles make the pilgrimage for a photo, but when there’s a line-cutting dispute, light sabers are drawn and your clerk has to break it up. Her bills are covered and your business is protected. Cerity, covering the small businesses making Michigan great.

Michigan Statistics*

*2017 business stats provided by the Bureau of Labor Statistics

1.5 million

number of Michigan residents employed by small businesses


number of workplace injuries

250 million

annual cherry production (in pounds)


number of lighthouses


acreage of world’s largest limestone quarry in the Rogers City, MI

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.