Workers Compensation

Michigan Worker's Compensation

Running your own business means you're often wearing many hats and always looking for a way to set your company apart.  Maybe this means investing in the newest technology or providing better equipment

to improve operations.  Many business owners find a key difference is their staff.  These are the people on the front line, working with your customers and products daily. 

With insurance, we're able to protect your building, income, stock, vehicles and more.  Your employees make the difference day in and day out which is why we want to help make sure they're taken care of in the event they are injured at work.

Nearly all employers in Michigan are subject to the Workers' Disability Compensation Act. This Michigan law requires that every covered employer must provide some way of assuring that benefits are paid to its workers if they become injured while on the job.  This is where Top O' Michigan Insurance comes in to help.   

Workers' Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

How to Control Your Workers Compensation Experience Mod

Need to file a claim?

Start with this Employer's Basic Report of Injury Form and return it to Top O' Michigan

Workers Compensation

Your employees are like family and in the event they are injured, we want to be sure they're properly taken care of if they sustain an injury at work.

Likewise, we want to work with you to help prevent possibly accidents and injuries before they happen and help safeguard you as an employer against costly claims.

We have partnered with the best Workers Compensation companies in Michigan to provide not only a competitive price but other benefits to make your business a safe place to work.

Some of the unique features of these Workers Compensation programs include:   

  • Higher Employer Limits up to $2,000,000
  • Loss Control Services
  • Safety Manuals, Training, and Loss Prevention Materials
  • 24-Hour Work Injury Nurse Hotline
  • Return To Work Program
  • Employee Handbook Assistance
  • Fraud Investigation
  • Safe Workplace Discounts
  • Group Discounts
  • Dividend Programs and more

Image result for oshalogs

Remain OSHA Compliant with OSHAlogs

We have invested in a tool to help our clients remain compliant with OSHA's recordkeeping guidelines. 

  • Make sure you're ready for the March 2nd reporting date with OSHAlogs
  • Record, Report and Upload data with east
  • Avoid hefty fines and audits
  • Remain compliant
  • Save time and money

Click here to learn more about OSHA Logs

Pay-As-You-Go Workers Compensation

We also have a popular Pay-As-You-Go option which allows you to pay your premium as you generate payroll.  This helps clients:

  • Improve Cash Flow
  • Avoid Surprise Audits
  • Avoid paying premiums when you have lower or no payroll

Contact us today to see if your business is a good fit for a Pay-As-You-Go Workers Compensation solution! 

Our Locations

Traverse City
Spire Insurance Solutions
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Spire Insurance Solutions
400 Renaissance Ctr Ste 2600
Detroit, MI 48243-1502

Local: (800) 686-8664