Workers’ CompMichigan
Pick your industry, monthly payroll and claims history to see an illustrative monthly workers' compensation cost guide for a Michigan business. Michigan Workers’ Compensation Placement Facility assigned-risk rates effective January 1, 2026.
It's an illustrative estimate, not a quote. Real premiums depend on your exact classification codes, experience modification, insurer, underwriting and safety record.
Uses published Michigan Placement Facility assigned-risk rates. These are residual-market benchmarks, not voluntary-market carrier rates. Michigan uses state-specific mappings for HVAC (5550), painting NOC (5476), janitorial (9015), restaurant/food service (9058), auto repair facility garage employees (8395) and delivery/trucking (7208). Pool cleaning uses janitorial 9015 as a cleaning-services proxy.
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*Illustrative estimate only — not an insurance quote. Michigan Workers’ Compensation Placement Facility assigned-risk rates effective January 1, 2026. Uses published Michigan Placement Facility assigned-risk rates. These are residual-market benchmarks, not voluntary-market carrier rates. The claims-history adjustment is a 10 Second Quotes product assumption, not an official experience modification or insurer rating factor. Actual premiums may vary substantially.
Uses published Michigan Placement Facility assigned-risk rates. These are residual-market benchmarks, not voluntary-market carrier rates. Michigan uses state-specific mappings for HVAC (5550), painting NOC (5476), janitorial (9015), restaurant/food service (9058), auto repair facility garage employees (8395) and delivery/trucking (7208). Pool cleaning uses janitorial 9015 as a cleaning-services proxy.
Claims history adjustment. 10 Second Quotes uses a simplified claims-history assumption solely to illustrate how prior claims may affect cost. It is not an official experience modification or insurer rating factor, and it does not calculate or predict the rating factor an insurer may apply.
These factors are 10 Second Quotes product assumptions for illustrative estimation only.