In Michigan, all employers with one or more employees who work 35 or more hours per week for 13 or more weeks during the preceding 52 weeks are required to carry workers’ compensation insurance. Additionally, agricultural employers must carry coverage if they employ three or more employees for 35 or more hours per week for 13 or more consecutive weeks. This insurance can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members are also excluded unless they choose to be covered. Michigan’s system provides comprehensive benefits, including medical care, wage replacement, and vocational rehabilitation services for injured workers. The Michigan Workers’ Disability Compensation Agency oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage, thereby safeguarding workers’ rights and benefits.