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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 NightclubsGet a Free Quote
Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)Get a Free Quote
Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and TranscriptionGet a Free Quote
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 StoresGet a Free Quote
Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation ServicesGet a Free Quote
Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)Get a Free Quote
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 PlannersGet a Free Quote
Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor ShopsGet a Free Quote
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 GamesGet a Free Quote
Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and VeterinariansGet a Free Quote
Architecture & Engineering Services
Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)Get a Free Quote
Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title InsuranceGet a Free Quote
Scientific Research & Development/Consulting, Technical Consulting, & Environmental ConsultingGet a Free Quote
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 & TaxidermistsGet a Free Quote
Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational TherapyGet a Free Quote
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.
*2017 business stats provided by the Bureau of Labor Statistics
number of Michigan residents employed by small businesses
number of workplace injuries
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.
How is Workers' Compensation related to payroll? What do I do when I hire, give raises or fire employees?