WCRates

Workers' Compensation Rates in Michigan (2026)

State Overview

Bureau Type

ncci

NCCI

WC Requirement

Mandatory

Minimum Employees

1

Effective Date

2026-01-01

Michigan uses NCCI class codes. The state has a competitive workers' comp market with rates above the national average due to its manufacturing base.

Average Rate (All Class Codes)

$5.99

per $100 of payroll

Least Expensive Class Codes

Most Expensive Class Codes

All Class Codes & Rates in Michigan

CodePhraseologyHazard GroupRate per $100
8823Accountant - CPAA$0.20
8862Advertising AgencyA$0.25
7403Aircraft Operation - NOCE$10.36
7605Alarm Installation or RepairD$5.32
5047Aluminum InstallationE$8.68
8836Ambulance Service - All EmployeesC$6.16
7398Ambulette/Medical TransportD$6.16
9067Amusement Park - Mechanical RidesD$5.88
9016Amusement Park or Carnival - All EmployeesD$4.59
7520Amusement Ride OperationD$6.44
8831Animal Hospital - VeterinaryC$2.52
8861Architect or Engineer - ConsultingB$0.45
5473Asphalt PavingF$11.48
9625Assisted Living FacilityD$5.04
9182Athletic Teams - AmateurE$8.12
9180Athletic Teams - ProfessionalF$14.00
8820Attorney - All Employees & ClericalA$0.22
8803Auditing, Accounting or Management ConsultingA$0.22
8046Auto Accessories StoreB$1.40
8385Auto Parts Store - RetailC$2.58
5188Automatic Sprinkler InstallationE$8.79
8392Automobile Body RepairE$8.12
8748Automobile Dealer - All EmployeesD$4.20
8391Automobile DismantlingE$7.62
8380Automobile Service or Repair CenterD$5.04
8389Automobile TowingE$9.52
7422Aviation - Ground CrewE$8.12
2003BakeryC$3.92
3724Bakery - ManufacturingD$4.76
8815Bank - All EmployeesA$0.17
8855Banks and Trust Companies - All EmployeesA$0.19
9586Barber Shop or Beauty ParlorC$1.68
7337Boat Building - MetalF$10.92
7335Boat Building - WoodE$8.40
3027Boiler ManufacturingE$8.68
8072Book StoreA$0.56
2157BottlingC$3.64
9071Bowling Alley - All EmployeesC$2.74
9070Bowling Center - AllC$2.80
2065BreweryC$3.64
9650Building InspectionC$2.52
8058Building Materials DealerD$5.88
9015Building Operation - All Other EmployeesC$3.47
7382Bus Company - All EmployeesD$8.40
8850Bus/Taxi - DispatchingA$0.50
5146Cabinet InstallationD$7.56
5148Cabinet Manufacturing & InstallD$6.72
2812Cabinet/Wood Products ManufacturingD$7.00
9055Camps - Day/OvernightC$3.64
2095Candy ManufacturingC$3.36
2111CanneryD$5.88
9602Car WashC$2.80
5645Carpentry - CommercialF$14.00
5432Carpentry - Detached One/Two FamilyE$10.36
5436Carpentry - Finish DetachedD$7.28
5437Carpentry - FramingF$15.96
5404Carpentry - Install CabinetsD$7.84
5403Carpentry - ResidentialF$12.60
2802Carpentry - Shop OnlyD$6.16
9536Carpet CleaningC$3.36
9519Catering NOCC$3.92
5020Ceiling InstallationE$9.52
9610Cemetery - AllD$3.92
5348Ceramic Tile, Indoor Stone, Marble, or Mosaic WorkE$6.16
2131Cereal ManufacturingC$3.25
7405Charter AircraftF$14.28
9660Chimney SweepD$5.32
8826Chiropractic OfficeB$1.01
8812Clerical - Drafting EmployeesA$0.25
8810Clerical Office EmployeesA$0.28
2501Clothing ManufacturingB$2.52
8008Clothing or Wearing Apparel Store - RetailC$2.07
9061Club NOC - All EmployeesC$3.14
8844Collection AgencyA$0.25
8868College or University - Professional EmployeesB$0.50
7380Commercial DriversD$9.52
8859Computer Programming or Software DevelopmentA$0.20
5201Concrete Block ManufacturingE$8.96
5213Concrete Construction NOCF$10.92
5214Concrete NOC - PouredF$11.48
5221Concrete or Cement Work - Floors, Driveways, YardsF$9.97
5070Concrete Products ManufacturingE$7.28
5215Concrete WorkF$12.88
5222Concrete/Cement - FloorsE$9.24
8227Construction Material - UsedD$6.44
8019Convenience StoreC$2.52
7715Corrections OfficersG$10.36
9558Courier/Document DeliveryC$3.64
7719Court EmployeesB$1.40
8865Court ReporterA$0.17
2070Creamery/Dairy ProductsC$4.20
8801Credit Union - All EmployeesA$0.17
8805Credit Union/SavingsA$0.17
9059Day SpaB$1.68
8854Daycare CenterC$2.80
8822Dental LaboratoryB$0.84
8824Dental Office - All EmployeesB$0.62
8039Department Store - RetailC$2.24
2102DistilleryC$3.47
5108Door/Window InstallationD$7.00
5152Drilling NOCF$15.12
8047Drug StoreB$1.06
2688Dry CleaningC$3.64
8866Election CampaignB$0.95
7539Electric Light/Power CompaniesF$11.76
3082Electrical Apparatus ManufacturingD$5.04
5140Electrical Installation - InteriorD$5.88
5193Electrical Wiring - AlarmD$6.16
5191Electrical Wiring - CommercialE$8.12
5190Electrical Wiring - Within BuildingsE$7.00
9653Elevator InspectionC$2.24
5160Elevator InstallationF$11.76
5162Elevator Service/MaintenanceE$9.24
8858Employment AgencyA$0.22
7711EMT/ParamedicsF$8.40
6217Excavation NOCF$12.10
8809Executive RecruitingA$0.22
0035Farm - DairyE$9.80
0005Farm - Field CropsE$10.64
0016Farm - LivestockF$11.48
0050Farm - Orchard or GroveE$8.74
8841Financial AdvisorA$0.19
7710Firefighters and DriversD$7.28
2161Fish ProcessingE$7.28
8032Florist - RetailB$1.29
2130Flour MillingD$4.76
7350Freight HandlingE$8.12
2143Fruit ProcessingD$4.48
9620Funeral Directors - All EmployeesC$1.96
2883Furniture ManufacturingD$6.16
7590Garbage/Ash CollectionF$10.92
2913Glass ManufacturingE$8.40
2915Glass MerchantD$5.88
5462GlazierE$9.52
9056Golf ClubC$2.80
8811Government ClericalA$0.25
8304Grain ElevatorE$7.84
2041Grain MillingD$5.04
8006Grocery Store - RetailC$2.80
9585Hair SalonB$1.40
8116Hardware DealerC$3.64
8055Hardware Store - GeneralC$2.80
8044Hardware Store - RetailC$3.08
8010Hardware Store - WholesaleC$2.91
5137Heating Equipment InstallationD$6.44
5185Heating System InstallationD$6.16
5537Heating, Ventilation, Air Conditioning and RefrigerationE$6.44
5239Highway ConstructionG$16.80
8851Home for Aged - AllD$5.88
8835Home Health Care ServicesC$4.65
8834Hospital - All Other EmployeesC$5.04
9040Hospital - Non-ProfessionalD$6.16
8833Hospital - Professional EmployeesC$3.19
9052Hotel - All EmployeesC$4.09
9058Hotel or Motel - All Other EmployeesC$3.92
9529House CleaningC$3.64
9033Housing AuthorityB$1.68
2039Ice Cream ManufacturingC$3.92
8215Ice DealerC$3.36
8203Ice ManufacturingD$5.04
5479Insulation WorkE$8.40
8818Insurance Company - ClericalA$0.20
8845Investigator/DetectiveC$2.52
8840Investment CompanyA$0.17
5038Iron Doors/Gates InstallationF$16.24
5057Iron or Steel Erection - NOCG$19.32
5102Iron or Steel Erection - StructuralG$20.72
5069Iron/Steel - NOCG$23.52
5059Iron/Steel - OrnamentalF$13.72
5040Iron/Steel Erection - FrameG$27.44
8106Iron/Steel MerchantD$6.16
6229Irrigation Works - All OperationsE$7.28
9014Janitorial Services - By ContractorC$4.76
8013Jewelry StoreB$0.95
8263Junk DealerD$6.16
0917Landscape Gardening - NOCD$5.88
5443LathingE$9.80
2660Laundry NOCC$3.92
2586Leather Goods ManufacturingC$3.36
9034Library - All EmployeesA$0.73
7716LifeguardsD$4.20
8232LoggingG$28.00
7317Longshore WorkersG$21.28
8061Lumber DealerD$6.44
3632Machine Shop NOCD$5.32
3030Machinery ManufacturingD$6.16
3685Machinist NOCD$5.71
7327Marine TransportationF$14.00
5029Masonry - DecorativeE$10.64
5027Masonry - FireproofF$12.32
5028Masonry - StoneF$14.28
5022Masonry NOCF$11.76
8031Meat Market - RetailC$3.08
2001Meat PackingF$9.80
8033Meat, Fish or Poultry Dealer - RetailC$3.64
8838Medical LabB$0.84
7360Messenger ServiceC$3.92
3581Metal Stamping - NOCE$6.89
9554Moving Company - LocalE$9.24
9410Municipal, Township, County or State Employees - NOCC$3.92
9587Nail SalonB$1.12
8860Newspaper - DeliveryC$4.20
8869Newspaper or Magazine Publishing - All EmployeesB$0.39
8807Newspaper PublishingB$0.95
0042Nursery EmployeesE$7.00
9046Nursing - Home/VisitingD$6.44
9049Nursing Home - AllD$6.16
8829Nursing Home - All EmployeesC$5.88
8804Office Machine ServiceB$1.68
8825Optometry OfficeA$0.45
8742Outside Sales PersonnelB$0.62
8037Paint StoreB$1.12
9012Painting - Buildings, Interior - By ContractorsC$4.20
5474Painting - Interior or ExteriorE$8.40
7721Park RangersD$3.92
8821Patent/Copyright AttorneyA$0.22
4361Pest Control ServicesD$5.04
9549Pet GroomingC$1.96
8099Pet StoreB$1.29
8846Pharmaceutical SalesB$0.62
8839Pharmacy - RetailB$1.01
7600Phone/Telegraph InstallationE$7.84
8832Physician & ClericalB$0.50
2110Pickle ManufacturingC$3.19
7313Pier/Wharf OperationF$12.60
5480Plastering NOCE$8.12
8111Plumber - CommercialE$6.72
5183Plumbing NOCE$7.56
7723Police Officers - MountedF$12.04
7720Police Officers and DriversD$6.44
8816Post OfficeC$3.08
2002Poultry ProcessingF$9.52
3076Printing - Offset or DigitalD$3.47
8843Psychiatric HospitalD$5.04
9088Public WorksE$7.28
8015Quick PrintingB$1.12
8857Radio Station - ClericalA$0.20
7610Radio/TV BroadcastingB$1.40
7855Railroad OperationE$8.40
8856Real Estate Agency - All EmployeesC$1.34
8817Real Estate ManagementB$1.40
9077Recreation CenterC$2.80
3060Refrigerator ManufacturingD$5.32
8849Research Lab - AnalyticalB$1.23
9079Restaurant - Fast FoodC$3.64
9083Restaurant - Fast Food - Including DeliveryD$4.59
9082Restaurant NOCD$4.20
8045Retail Store - Cannabis/DispensaryC$2.41
8017Retail Store NOCC$2.35
5551Roofing - All EmployeesG$28.00
5606Roofing ContractorG$25.20
7724Sanitation WorkersF$9.52
9101School - All EmployeesB$2.07
9102School - Professional EmployeesB$0.73
9105School Bus DriversD$5.04
9008Schools - VocationalC$3.08
9060Senior CenterB$1.96
5538Sheet Metal Work - HVAC DuctworkE$7.62
8090Shoe StoreA$0.62
5119Siding InstallationE$8.40
9072Skating RinkC$3.08
8864Social Services OrganizationB$1.40
2105Soft Drink ManufacturingC$3.08
8078Sporting Goods StoreB$1.40
8279Stable/Riding AcademyD$5.88
7309StevedoringG$20.72
8293Storage WarehouseD$5.32
8021Store - FurnitureC$2.80
5506Street/Road ConstructionF$13.16
5507Street/Road Construction - ClearingF$11.20
2021Sugar ManufacturingD$4.76
5223Swimming Pool ConstructionF$10.36
9064Swimming Pool OperationC$3.08
2623TanningD$6.16
7370Taxi/RideshareD$7.56
7390Taxicab Company - All EmployeesD$8.74
8871Telecommunication Employees - NOCA$0.34
8814Telephone Company - ClericalA$0.20
5037Tile RoofingG$24.64
2121Tobacco ManufacturingC$2.80
7232Trucking - Furniture MovingE$11.76
7229Trucking - HazmatG$16.52
7228Trucking - Local Hauling OnlyD$9.80
7219Trucking - Long HaulE$12.88
7231Trucking - Mail, Parcel, or Package DeliveryD$10.19
7202Trucking - NOCE$10.64
7227Trucking - RefrigeratedE$11.48
8847Trust CompanyA$0.17
9522UpholsteryC$3.08
9068Veterans HomeD$4.76
8842Veterinary Office - All EmployeesC$1.23
5180Water Main ConstructionF$13.44
3365Welding or Cutting NOCE$9.24
8018Wholesale Store NOCC$2.69
5196Wiring - Fire Detection SystemsD$5.32
2841Woodworking NOCD$6.44
2286Wool ProcessingC$3.53
8802Writer/AuthorA$0.22
2220Yarn/Thread ManufacturingC$3.36
9063YMCA, YWCA, or Health Club - All EmployeesC$3.19

States with Similar Rates

Florida

Avg rate: $6.15 per $100

Georgia

Avg rate: $5.61 per $100

Illinois

Avg rate: $6.42 per $100

Ohio

Avg rate: $5.45 per $100

Pennsylvania

Avg rate: $6.84 per $100

North Carolina

Avg rate: $5.03 per $100

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