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Michigan Workers Comp Class Codes & Rates

Michigan workers' compensation insurance is regulated by the Michigan Department of Labor and Economic Opportunity. The Michigan Workers' Compensation Placement Facility (MWCPF), administered by CAOM, provides assigned risk coverage for employers who cannot obtain coverage in the voluntary market.

Rating Org

CAOM / NCCI

Effective

2026-01-01

Avg Rate

$1.95

Codes Listed

77+

Michigan requires all employers with 3 or more employees, or who regularly employ 1 or more workers for 35+ hours per week for 13+ weeks, to carry workers' compensation. Rates shown are CAOM 2026 assigned risk rates per $100 of payroll, effective January 1, 2026 (9.3% average decrease from 2025). Note: Michigan uses code 5538 for HVAC (not 5537).

Michigan Workers' Comp: 2026 Rate Decrease & Key Requirements

Michigan workers' compensation rates decreased an average of 9.3% effective January 1, 2026 — one of the largest rate decreases of any state this year. The decrease was driven by improved loss experience across most class codes, particularly in construction and manufacturing.

Michigan requires coverage for employers with 3 or more employees, or any employer who regularly employs 1 or more workers for 35+ hours per week for 13 or more weeks during the year. Agricultural employers have separate thresholds. The Michigan Workers' Compensation Agency (WCA) enforces compliance and can issue stop-work orders.

Michigan uses NCCI class codes but has some state-specific variations. Notably, Michigan uses code 5538 for HVAC work (not 5537 as in Florida and most other states). Always verify the correct code with your carrier before binding coverage.

Top Michigan Class Codes

CodeTradeRate/$100
5551Roofing — All Kinds$6.622
5403Carpentry NOC$2.955
5190Electrical Wiring$1.230
5183Plumbing NOC$1.507
5538HVAC & Refrigeration (MI code)$3.412
8810Clerical Office Employees$0.061
7380Drivers, Chauffeurs$2.870
8742Salespersons — Outside$0.121
Compensation Advisory Organization of Michigan (CAOM)·Assigned risk rates — voluntary market rates may differ·Effective January 1, 2026·Official filing
77 codes
CodeDescriptionRate / $100
0005Farm - Nursery Employees & Drivers$1.57
0042Landscape Gardening & Drivers$1.39
0106Tree Pruning & Drivers$0.91
2021Grain Elevator$1.67
2110Food Products Mfg$1.59
2501Bakery$1.11
2585Meat Packing$1.55
3004Iron or Steel Fabrication$0.79
3030Welding NOC$2.40
3081Machine Shop NOC$2.00
3241Automobile Parts Mfg$1.50
4299Printing$0.84
5022Masonry NOC$3.04
5040Iron or Steel Erection$4.53
5059Iron or Steel - Structural$8.90
5160Elevator Construction$1.13
5183Plumbing NOC$1.51
5190Electrical Wiring$1.23
5213Concrete Construction NOC$2.99
5403Carpentry NOC$2.96
5437Carpentry - Cabinet Work$2.94
5507Street or Road Construction$1.95
5538HVAC & Refrigeration$3.41
5551Roofing - All Kinds$6.62
5606Contractor - Executive Supervisor$0.46
5645Carpentry - Detached Dwellings$3.97
6204Drilling NOC$3.62
6217Excavation$2.04
6400Fence Erection$2.50
7219Trucking NOC$3.76
7380Drivers, Chauffeurs$2.87
7382Bus Company$1.88
8006Store - Grocery Retail$0.94
8010Store - Hardware$0.77
8017Retail Stores NOC$0.58
8018Store - Wholesale NOC$1.89
8039Department Stores$1.02
8044Store - Furniture$1.16
8045Store - Drug Retail$0.33
8279Warehouse - Cold Storage$3.30
8292Storage Warehouse NOC$2.23
8393Automobile Body Repair$0.91
8395Automobile Dealers$1.05
8601Architects or Engineer Consulting$0.16
8742Salespersons - Outside$0.12
8810Clerical Office Employees$0.06
8820Attorney$0.04
8832Medical Offices & Clinics$0.17
8835Nursing - Home Health$1.02
9052Hotel$0.67
9063Janitorial Services$0.38
9403Garbage and Refuse Collection$5.94
0008Farm - Vegetable & Drivers$1.12
3220Plastics Mfg$1.46
5651Carpentry - Detached Dwellings$3.97
7222Automobile Service/Repair Center & Drivers$2.35
7705Fire Department - Paid$2.46
9170Janitorial Service by Contractors$3.84
5535Sheet Metal Work - Installation & Drivers$3.23
1452Die Casting$2.34
3803Automobile Body Repair$2.12
9083Restaurant - Fast Food$1.45
9082Restaurant NOC$1.78
8227Trucking - Long Haul$4.12
5474Painting or Paperhanging NOC$2.78
2160Breweries & Drivers$1.21
3240Pipe Manufacturing$2.80
5537Heating/Cooling/Refrigeration Equipment Installation$2.16
8380Automobile Dealers - Used$1.32
8392Automobile Service or Repair Centers$1.32
9014Hotels - All Employees$0.80
9402Garbage Collection & Drivers$3.54
0050Farm Machinery Operation - By Contractor$2.50
0083Logging - All Operations & Drivers$8.00
1430Foundry - Iron or Steel$3.50
2001Sawmill$3.20
2039Grain Elevator & Drivers$2.40

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