Michigan Workers Comp Class Codes — 2026 NCCI Rates
Michigan Workers Compensation | NCCI Advisory Rates | Bright Coast Insurance
About Michigan Workers' Compensation
Michigan workers' compensation insurance rates are filed with the Michigan Department of Insurance and Financial Services (DIFS). Michigan uses NCCI for statistical reporting and rate advisory services. Most employers with 3 or more employees are required to carry coverage.
Coverage Requirements in Michigan
Michigan requires employers with 3 or more employees, or any employer who employs 1 or more workers for 35 or more hours per week for 13 or more weeks, to carry workers' compensation insurance. Agricultural employers with 3 or more employees must also comply.
Average Rate & Top Construction Class Codes
The average workers' comp rate in Michigan is approximately $1.42 per $100 of payroll. Construction trades carry higher rates due to elevated injury risk. Below are the most common construction class codes:
| Code | Description | Rate |
|---|---|---|
| 5551 | Roofing - All Kinds | $6.20/$100 |
| 5645 | Carpentry - Detached Dwellings | $7.10/$100 |
| 5022 | Masonry NOC | $4.80/$100 |
| 5190 | Electrical Wiring - Buildings | $3.10/$100 |
| 5183 | Plumbing - All Operations | $2.90/$100 |
How to Calculate Your Premium in Michigan
Your annual workers' comp premium is calculated as: (Total Annual Payroll ÷ 100) × Class Code Rate × Experience Modification Rate (EMR). New businesses typically start with an EMR of 1.0. A drug-free workplace program can reduce your rate by up to 5% in most states.
Get a Workers' Comp Quote in Michigan
Bright Coast Insurance provides workers' compensation quotes for businesses in Michigan and across the country. Call or text (239) 323-0785 or request a free quote online. Same-day certificates of insurance available for qualifying accounts.