Workers’ Compensation Insurance in Cedarville, the Eastern Upper Peninsula, and Across Michigan

Protection Tailored to Your Employees and Business

Your employees are one of your business’s most valuable assets — and protecting them protects your company, too. At Islands Insurance Center, we help businesses in Cedarville, the Les Cheneaux Islands, and across Michigan secure workers’ compensation coverage that provides support when employees are injured or become ill on the job. From medical expenses to lost wages, we’ll help you create a policy that safeguards both your team and your business.

What Workers’ Compensation Insurance Includes

General liability insurance from Islands Insurance Center may include:

Medical Expense Coverage

Pays for necessary medical care after a workplace injury or illness.

Lost Wages

Provides partial wage replacement while an employee recovers.

Rehabilitation Services

Covers physical therapy or vocational rehab to help employees return to work.

Disability Benefits

Financial support if an injury or illness leads to temporary or permanent disability.

Employer Liability Protection

Helps cover legal costs if an employee files a lawsuit related to a workplace injury.

Death Benefits

 Support for dependents in the event of a fatal work-related accident.

Optional Add-Ons

Expanded coverage for specific industries or high-risk work environments.

Frequently Asked Questions

  • Is workers’ compensation insurance required in Michigan?

    Yes. In most cases, Michigan law requires businesses with employees to carry workers’ compensation insurance. Islands Insurance Center will help you meet legal requirements while tailoring coverage to your business.

  • What types of businesses need workers’ compensation?

    Nearly all businesses with employees need it, from small retail shops to contractors and service providers. Even part-time or seasonal workers may need to be covered.

  • Does workers’ compensation cover independent contractors?

    Generally, independent contractors are not covered under standard workers’ comp policies. However, certain industries may require additional coverage — we’ll review your specific situation to ensure compliance.

  • What happens if I don’t carry workers’ compensation insurance?

    Failing to provide coverage can lead to significant penalties, fines, and liability if an employee is injured. Islands Insurance Center ensures your business stays compliant and protected.

  • Can workers’ compensation be bundled with other business policies?

    Yes. Many businesses bundle workers’ comp with general liability or commercial property insurance for complete protection.

  • How do I get a workers’ compensation insurance quote?

    Simply fill out our [Request a Quote] form, text us, call our Cedarville office, or stop in. At Islands Insurance Center, we’ll guide you step by step.

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Why Choose Islands Insurance Center for Workers’ Compensation Insurance?

Employee Protection, Built Around Your Business
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Community-Rooted: We understand the needs of local businesses in Cedarville, the Eastern Upper Peninsula, and across Michigan.

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Tailored Coverage: Every workplace is unique — we’ll customize your policy to your risks and employees.

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Trusted Carriers: Access to top providers means you’ll have flexible, reliable options.

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Independent & Flexible: As an independent agency, Islands Insurance Center works for you, not one insurer.

Protect Your Team with Islands Insurance Center

Your employees keep your business moving. With workers’ compensation insurance from Islands Insurance Center, you’ll have peace of mind knowing your team is covered if the unexpected happens. From small businesses to larger employers, we’ll build coverage that works for you.

Request a Quote from Islands Insurance Center