Workers' Comp Insurance for Trucking Businesses in Michigan

Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims 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 trucking 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.

Trucking class codes used in Michigan

Why trucking workers' comp is tricky in Michigan

Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.

Tips for Michigan trucking companies

• ✓ Local vs long-haul = different rates; document operating radius
• ✓ Driver qualification files are required for renewal — keep them current
• ✓ Pay-as-you-go aligns premium with seasonal freight cycles
• ✓ Owner-operators may be exempt depending on state

Trucking workers' comp in other states

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

Other industries in Michigan

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