Workers' Compensation
Support your team. Protect your business.
Meet Michigan requirements and take care of your employees with the right coverage.
Workers' Compensation is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.
What This Insurance Can Cover
Workers’ comp protects both your team and your business. Here’s what’s typically included in a Michigan workers’ compensation policy:
Medical Expenses
Covers doctor visits, surgeries, prescriptions, and other treatment costs.
Wage Replacement
Pays a portion of lost wages if an employee can’t work due to a job-related injury.
Disability Benefits
Provides compensation if the injury results in temporary or permanent disability.
Employer Liability
Covers legal costs if an employee sues over a workplace injury.
Frequently Asked Questions
Here are a few of the most Workers' Compensation questions we hear from Michigan clients.
Who needs workers' comp in Michigan?
Most employers with at least one employee are required to carry it. We'll confirm your obligations.
What does it not cover?
It doesn't cover injuries that happen off the job or due to intoxication or intentional misconduct.
How are premiums calculated?
Rates are based on payroll, job classification, and claims history. We’ll help keep it affordable.
Can part-time workers be covered?
Yes. In many cases, part-time and seasonal workers are eligible and should be included.