Workers’ comp insurance cost for painters in Michigan

Q: What does workers' comp cost painting contractors in Michigan?

Modeled from the 2024 filed manual rate of $4.60 per $100 of payroll: a <5-employee painting business lands around $2.3k–$9.2k per year before experience mods and schedule credits.

Q: What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Painting work is NCCI class 5474 (Painting NOC, ‘not otherwise classified’) — the general classification for interior and exterior building painting that isn’t assigned a more specific painting class.

Published 2026-06-11 · by Brokly

Direct answer: Michigan painting contractors pay a filed workers’-comp manual rate of $4.60 per $100 of payroll (2024 filed rate) — the 32nd-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee painting contractors land around $2.3k–$9.2k/yr, before experience mods and schedule credits.

76% of MI painting contractors have <5 employees — the chart below prices every size band from its own observed payroll.
Michigan sits 32nd of 51: IN pays more ($4.96), DE less ($4.19).
Workers’ comp is one of several coverages — see everything your painting business needs in Michigan →

What do Michigan painting contractors pay for workers’ comp?

Modeled annual premium across the real size distribution of MI painting contractors

bar height = how many painting contractors are that size · figures = modeled annual cost

typical · most MI painting contractors

▼

<5 emp

≈$3.5k/yr

5–9 emp

≈$17k/yr

10–19 emp

≈$33k/yr

20–49 emp

≈$94k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee MI painting business: modeled $2.3k–$9.2k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 969 MI painting contractors fall in each size band.

Cohort: size distribution of 969 MI painting contractors (Census CBP 2023); premiums modeled from one filed rate ($4.60/$100 payroll, 2024). Bands shown cover 959 of 969 establishments (99.0%) — 10 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.

Filed manual rate (MI)

$4.60 / $100 payroll

as of 2024

Typical <5-employee painting business (76% of MI)

$2.3k–$9.2k / yr modeled

as of 2024 · CBP 2023

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (Painting and wall covering contractors (NAICS 238320)) (as of 2023, retrieved 2026-06-05)

How does Michigan compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 5474 (Painting NOC), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
28	Nebraska	$4.92
29	Colorado	$4.85
30	Oregon	$4.82
31	Alaska	$4.72
32	Michigan	$4.60
33	Alabama	$4.60
34	District of Columbia	$4.56
35	New Mexico	$4.49
36	South Dakota	$4.29

Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)

Frequently asked questions

What does workers' comp cost painting contractors in Michigan?

Modeled from the 2024 filed manual rate of $4.60 per $100 of payroll: a <5-employee painting business lands around $2.3k–$9.2k per year before experience mods and schedule credits.

What drives the rate up or down?

Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Painting work is NCCI class 5474 (Painting NOC, ‘not otherwise classified’) — the general classification for interior and exterior building painting that isn’t assigned a more specific painting class.

Painters in nearby-ranked states: Oregon ($4.82) · Colorado ($4.85) · Indiana ($4.96) · Massachusetts ($4.03)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 969 Michigan painting contractors; your premium depends on your payroll, claims history, and carrier.