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Workers Compensation Insurance

Livonia, Farmington Hills, Michigan

Construction WorkerAt Insurance Planning Service we understand that your business is your greatest investment, which is why we are dedicated to helping you determine what you need to properly protect your team and your overall business.

One issue in particular is Michigan Workers Compensation insurance.  Quite simply, the Workers Compensation system strives to be the most effective process available to get an injured worker back to the workforce as soon as possible.  It provides the employee with peace of mind; reassuring them that if a work-related accident happens, they will receive appropriate medical attention – without heightened cost.

In addition, Michigan Workers Compensation provides a wall of protection for you, the employer.  A properly arranged Workers Compensation policy becomes an employee’s sole remedy for costs stemming from a work-related injury, which means they can not bring suit against the business.  Compensation for their injury is limited to payment according to Michigan law.

A typical Michigan Workers Compensation policy contains two coverage sections:  1) Medical expenses, lost income, rehabilitation costs, and death benefits for the injured employee, and 2) Employer Liability to protect the employer from claims that can arise as a result of an employee’s injury.

Premiums for Michigan Workers Compensation insurance are based on the type of work your employees do and annual payroll.

Michigan Workers Compensation insurance can be complicated for businesses that use sub-contractors.  The State of Michigan's website has a helpful document titled "Coverage Questions for Subcontractors, General Contractors, and Independent Contractors".  It explains the various contractor relationships and how Michigan Workers Compensation insurance applies in these circumstances.   As a busy business owner, you will benefit by allowing our knowledgeable staff help you sort it all out and custom-build the perfect policy for you. 

Certain individuals may be exempt from the Michigan Workers Compensation law.  If you think you may qualify for this exemption, CLICK HERE for more information from the State of Michigan's LARA Workers Compensation Agency. 

Be sure to ask us about other important parts of your insurance program, including: Commercial Auto; General LiabilityCommercial PropertyWorkers CompensationUmbrella Liability Bonds.

Getting a QUOTE for WORKERS COMPENSATION insurance is quick and easy!
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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake