🏠 Are You Required to Have Workers’ Compensation for Nannies in Michigan?

If you hire a nanny, home health aide, or other domestic worker in Michigan, you may legally be required to carry workers’ compensation insurance. When a domestic worker works 35 hours or more per week for at least 13 weeks in a year, the rule comes into effect. In this case, your home becomes a workplace—and you become an employer under Michigan law.

⚖ What Workers’ Comp Covers for Domestic Workers

• Medical treatment and rehabilitation
• Lost wages due to injury or illness
• Ongoing care for severe injuries
• Legal protection from civil lawsuits

🚨 What Happens If You Don’t Carry It?

• Civil lawsuits: Injured workers may sue for damages
• Out-of-pocket costs: Includes medical bills and lost wages
• Fines and jail time: Up to $1,000 and 6 months in jail
• State penalties: Michigan’s Bureau of Workers’ Disability Compensation can also issue citations and additional penalties

🏠 Will Homeowners Insurance Cover Domestic Workers?

No. Homeowners insurance generally excludes coverage for injuries to household employees. This implies that your policy won’t shield you from liability if a nanny or caregiver sustains an injury on your property.

✅ How to Get a Workers’ Comp Policy in Michigan

1. Call a licensed agent at 248-277-4505
2. Request a quote tailored to your domestic worker’s role
3. Choose coverage that meets Michigan requirements

📚 Click Quote to get started

👉 Click the MI Worker’s Compensation Quote to get a quote today.