Workers' Comp Insurance for Painting Businesses in Michigan

Painting contractors (NCCI 5474) face moderate-to-high rates due to fall, ladder, and chemical exposure. Interior-only painters may qualify for slightly lower rates than exterior or commercial painters working at heights in Michigan. The Michigan workers' compensation market is governed by CAOM, and the average rate statewide is approximately $0.97 per $100 of payroll.

Michigan requirements for painting businesses

When required: Required for employers with one or more employees working 35+ hours/week for 13+ weeks, or 3+ employees at any time.

Sole proprietors: Sole proprietors are exempt unless they elect.

Owner / officer exclusion: Officers may be excluded.

Painting class codes used in Michigan

Why painting workers' comp is tricky in Michigan

Carriers scrutinize painters who work above 3 stories, perform sandblasting, or apply industrial coatings — these activities can trigger different (higher) codes.

Tips for Michigan painting contractors

• ✓ Stay under 3 stories for the standard code; higher work re-classes
• ✓ Lead-paint certification is required for older buildings — RRP rule
• ✓ Spray vs roll equipment can affect underwriter appetite

Painting workers' comp in other states

Rates and requirements for painting contractors vary widely by state. Compare Michigan to other major markets:

Other industries in Michigan

Michigan workers' comp rates and requirements for other common industries: