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
Effective
2026-01-01
Avg Rate
—
Codes Listed
55+
Do you have to carry workers' comp in Michigan?
Yes, once you have 3 employees, or even 1 who works 35+ hours a week for 13 of the last 52 weeks. Michigan's Workers' Disability Compensation Agency runs the system.
Source: MCL 418.115; the Act's "director", MCL 418.161(5).
Do I have to carry it in Michigan?
Does at least one of them work 35+ hours a week?
Has that been true for 13 or more of the last 52 weeks?
Answer
Not required by the headcount test
Based on MCL 418.115: 3 or more employees, or 1 working 35+ hours a week for 13+ of the last 52 weeks.
Skipping coverage is a misdemeanor, and each day counts separately: up to $1,000, 6 months, or both. Injured workers can also sue you directly.
Source: MCL 418.641(1)-(2).
Two numbers, one code
Every Michigan code on this site shows the Facility rate in force today and the one coming on January 1, 2027. The page switches to the new figure on that date.
Current (1/1/2026) · Code 5551
6.622
per $100 payroll · min premium $750 · Circular #318
Upcoming (1/1/2027) · Code 5551
6.447
per $100 payroll · min premium $750 · Circular #323
Either year, the minimum premium is the rate × 125 plus the $200 expense constant, never more than $750. Only the per-code minimum moves, because the rate moves.
For 1/1/2026, Facility rates fell 9.3% on average (contracting fell 10.8%). For 1/1/2027 they rise 2.2% on average. Officer payroll limits go from $633–$2,500 a week to $667–$2,700.
Source: CAOM Michigan Placement Facility (assigned-risk) rates, effective 1/1/2026, MWCPF Circular #318. Upcoming: CAOM Facility (assigned-risk) rates effective 1/1/2027, MWCPF Circular #323.
Hiring subs? Their coverage gap becomes yours
If a contractor you hire has no workers' comp, you pay its workers' injury claims. Collect a certificate before anyone starts.
Source: MCL 418.171(1).
Sub COI checklist
- Certificate names the sub's business exactly as on your contract.
- Policy dates cover the full job.
- Michigan is listed as a covered state.
- You keep a copy on file before work begins.
Who counts as an employee? Michigan uses an employee test plus the IRS 20-factor test, and W-2 withholding means a worker is presumed an employee.
Source: MCL 418.161(1)(n).
Owners of 10% or more in an entity with 10 or fewer owners can opt out in writing.
Source: MCL 418.161(3)-(4).
Michigan code directory
| Code | Current 1/1/2026 | Upcoming 1/1/2027 |
|---|---|---|
| Code 0005 | 1.566 | — |
| Code 0042 | 2.235 | 2.345 |
| Code 0106 | 2.963 | 2.920 |
| Code 2021 | 1.667 | — |
| Code 2110 | 1.586 | — |
| Code 2501 | 1.106 | — |
| Code 2585 | 1.548 | — |
| Code 3004 | 0.792 | — |
| Code 3030 | 2.395 | — |
| Code 3081 | 2.003 | — |
| Code 3241 | 1.496 | — |
| Code 4299 | 0.842 | — |
| Code 5022 | 3.037 | — |
| Code 5040 | 4.530 | — |
| Code 5059 | 8.904 | — |
| Code 5160 | 1.128 | — |
| Code 5183 | 1.507 | — |
| Code 5190 | 1.230 | — |
| Code 5213 | 2.992 | 3.047 |
| Code 5403 | 2.955 | — |
| Code 5437 | 2.936 | — |
| Code 5507 | 1.945 | — |
| Code 5538 | 3.412 | — |
| Code 5551 | 6.622 | 6.447 |
| Code 5606 | 0.462 | — |
| Code 5645 | 3.972 | 4.058 |
| Code 6204 | 3.621 | — |
| Code 6217 | 2.044 | — |
| Code 6400 | 2.502 | — |
| Code 7219 | 3.763 | — |
| Code 7380 | 2.870 | — |
| Code 7382 | 1.881 | — |
| Code 8006 | 0.943 | — |
| Code 8010 | 0.771 | — |
| Code 8017 | 0.582 | — |
| Code 8018 | 1.888 | — |
| Code 8039 | 1.021 | — |
| Code 8044 | 1.157 | — |
| Code 8045 | 0.325 | — |
| Code 8279 | 3.296 | — |
| Code 8292 | 2.227 | — |
| Code 8393 | 0.910 | — |
| Code 8395 | 1.050 | — |
| Code 8601 | 0.158 | — |
| Code 8742 | 0.121 | — |
| Code 8810 | 0.061 | — |
| Code 8820 | 0.039 | — |
| Code 8832 | 0.174 | — |
| Code 8835 | 1.022 | — |
| Code 9052 | 0.666 | — |
| Code 9063 | 0.384 | — |
| Code 9403 | 5.942 | — |
| Code 8227 | 1.538 | 1.659 |
| Code 8392 | 1.021 | 1.023 |
| Code 9402 | 2.028 | 1.992 |
Rates per $100 payroll. CAOM Michigan Placement Facility (assigned-risk) rates. "—" means the 1/1/2027 value hasn't been checked against Circular #323 yet.
Source: CAOM Michigan Placement Facility (assigned-risk) rates, effective 1/1/2026, MWCPF Circular #318. Upcoming: CAOM Facility (assigned-risk) rates effective 1/1/2027, MWCPF Circular #323.
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