Manufacturing workers compensation in Michigan
Manufacturing businesses in Michigan pay a median rate of $1.44 per $100 of payroll, ranging from $0.250 to $6.27. The national median for Manufacturing is $1.46, so Michigan sits 1% below the national average. 133 unique NCCI class codes are filed in this state for Manufacturing occupations. Verified 2026-05-09.
Top Manufacturing class codes in Michigan
The class codes most likely to apply to a Manufacturing operation in Michigan, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 4470 | Textile Weaving Mills | $0.920 | HIGH |
| 2660 | Chemical Mfg. - Soap, Detergent | $1.07 | HIGH |
| 2501 | Clothing Manufacturing | $1.32 | HIGH |
| 1701 | Cement Manufacturing | $1.41 | HIGH |
| 2111 | Malt House Operation | $1.44 | HIGH |
| 3081 | Automobile Mfg. | $2.02 | HIGH |
| 3085 | Aircraft Mfg. | $2.45 | HIGH |
| 3365 | Metal Plating & Finishing | $2.63 | HIGH |
| 2759 | Set-Up Paper Box Mfg. | $3.19 | HIGH |
| 6801 F | Boat Building - wood | $3.90 | HIGH |
Michigan compliance for Manufacturing employers
Coverage threshold
Employers with 3 or more employees, or 1 employee working 35+ hours/week for 13+ weeks.
1099 vs W-2 in Manufacturing
Generally considered independent contractors if they meet specific criteria, otherwise they may be reclassified as employees.
Owner exclusion
Allowed in Michigan. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,164 at 80% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Michigan.
Audit window
Michigan carriers audit payroll within 90 days of policy expiration. Keep Manufacturing payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Michigan workers comp overview · Manufacturing cross-state rate comparison · Michigan workers comp lawyer guide · Michigan settlement chart
Estimate your Manufacturing premium in Michigan
Pre-filled to Manufacturing and Michigan. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Manufacturing in Michigan
$1,250to$31,350
Median: $7,200 · Rate range $0.250 to $6.27 per $100 payroll
Industry median across all states
$7,300
Cheapest states for Manufacturing
- Utah $0.490
- Kentucky $0.940
- Virginia $0.950
Most expensive
- California $4.74
- New Jersey $3.56
- Hawaii $2.94
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Manufacturing businesses in Michigan
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Step 1, Confirm coverage threshold
Employers with 3 or more employees, or 1 employee working 35+ hours/week for 13+ weeks. For Manufacturing operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Manufacturing businesses typically use codes like 6872, 3081, 3085. The wrong code can cost 4 to 10x more or get reclassified at audit. In Michigan, the cheapest code on this list is 4470 at $0.920 and the most expensive is 6801 F at $3.90.
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Step 3, Get a quote
Accident Fund Insurance Company of America is one option in Michigan; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors can be held liable for uninsured subcontractors. Manufacturing operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Manufacturing class allocation can shift if any worker spends more than 50% of time on a different code.
Manufacturing workers comp FAQs in Michigan
What is the typical workers comp rate for Manufacturing in Michigan?
Manufacturing employers in Michigan pay a median rate of $1.44 per $100 of payroll, with rates ranging from $0.250 to $6.27 depending on the specific class code. The national median across all states for Manufacturing is $1.46, so Michigan sits about 1% below the national average.
How many Manufacturing class codes are filed in Michigan?
Michigan has 133 unique NCCI class codes filed for Manufacturing occupations, drawn from 133 state-class code rate cells in our dataset. The most common codes include 6872 (Ship Building), 3081 (Automobile Mfg.), 3085 (Aircraft Mfg.).
Are Manufacturing 1099 contractors covered by workers comp in Michigan?
Generally considered independent contractors if they meet specific criteria, otherwise they may be reclassified as employees.
What is the maximum weekly benefit for an injured Manufacturing worker in Michigan?
Michigan caps weekly workers comp benefits at $1,164 (effective 2025-01-01), calculated as 80% of the average weekly wage. Manufacturing workers are subject to the same statutory cap as workers in any other industry.
How long does a Manufacturing worker have to file a comp claim in Michigan?
The statute of limitations in Michigan is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Manufacturing workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Manufacturing business owner exclude themselves from comp coverage in Michigan?
Yes, Michigan allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Manufacturing owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.