Ask Zeke: FAQs

Can I join any time during the year?

Yes, we will prorate your day of entry to 12/31. Your renewal date will renew with the rest of the members on January 1.

Will I continue to have an experience modification?

Yes, we will calculate from our office, adding the new payroll and loss experience with CAMComp.

Will you provide me with certificates of Insurance throughout the year, as needed?

Yes, you can call, email or fax your request. Your certificate is prepared immediately and sent either by mail, email or fax. A copy will always be sent to you.

What types of payment plans are available?

On an annual basis you would (A) pay a 25% deposit, balance would be paid in 10 equal monthly installments. (B) pay a 25% deposit and report your payroll to us monthly (Most contractors use this payment method).

Can I pay my premium online?

Yes, you can pay online here >

When was this program started?

The program started January 1, 1982 as a group self insurance program. It is designed for the construction industry and governed by a board of trustees who are members, elected by the membership.

The State of Michigan Workers’ Compensation Agency oversees all aspects of the program for compliance of the Workers’ Comp Act.

What if my company’s payroll decreases- is there a minimum?

Yes, minimum annual premium is $750

Upon joining, why do I have to provide a financial balance sheet?

It is a rule of the Michigan Workers’ Compensation Agency that the administrator must see that the company is financially strong. Thereby, having a current ratio of at least 1 to 1 (current assets to current liabilities) and a positive net worth.

Who can join this program?

Because it is specifically designed for the construction industry the company must be a contractor, subcontractor or a supplier of materials that are used in the construction of a building.

80% of the company’s income must be derived from the construction industry.

I am a sole proprietor, with no employees, do I need a Workers’ Compensation policy?

No, a sole proprietor cannot be covered under Workers’ Compensation. However, if employees are hired, you must secure a workers’ compensation policy to cover them.

More information

Download Workers’ Compensation Agency booklet: WCA Publication: Subcontractors, General Contractors, Independent Contractors

Download An Overview of Workers’ Compensation in Michigan

Get a Sole Proprietor/Employer Exclusion Form >

More info on Workers’ Compensation Exclusion Qualification >

Get a quote on Workers' Compensation Insurance in Michigan >>