Do contractors in Michigan need workers compensation insurance?

Workers comp at 1+ employees; $1M liability common. In Michigan, coverage rules are defined by MCL §418.101. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.

What are the certificate of insurance requirements in Michigan?

Michigan requires workers comp for employers with 1+ employees (3+ for some); COI tracking is standard for facility vendors. Beyond state law, most commercial contracts in Michigan require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.

How do I track contractor COIs automatically?

COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.

Certificate of Insurance Requirements in Michigan

Michigan requires workers comp for employers with 1+ employees (3+ for some); COI tracking is standard for facility vendors.

What contractors in Michigan must carry

Workers comp at 1+ employees; $1M liability common.

Key facts about Michigan COI compliance

Workers comp applies at 1+ employees (3+ for some employers)
COI tracking is standard for facility vendors
Automotive supply chain vendors face strict insurance checks

Typical requirements in Michigan

General liability	$1M common
Workers compensation	Required at 1+ employees
Additional insured	Common

Typical contract terms in Michigan — always confirm with your legal counsel and insurer.

Statutory basis

Key references: MCL §418.101. Note that contract requirements often exceed state law — most commercial agreements in Michigan require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in Michigan

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a Michigan-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.