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Workers' Compensation Insurance

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MDA Insurance has partnered with Frankenmuth Insurance Company to offer workers' compensation coverage, great service and discounted group rates to MDA members.  Frankenmuth Insurance has provided coverage for nearly 150 years and currently writes policies in 16 states. It is has earned an "A" rating (superior) from A. M. Best and has been recognized as a top carrier in Michigan by the Michigan Association of Insurance Agents (MAIA).

If a claim arises, you'll know your injured employee will have the knowledge and experience of Frankenmuth Insurance working for them. For more information, please click Request a Quote, or the quote link below. You may access an application form at the link below or call and speak with an MDA Insurance representative.

Download Workers' Comp Forms: Frankenmuth Insurance logo

Contact Us!

Care for a quote?  Please call 800.860.2272 and speak to Misty Ward at extension 449 or Tina Croley at extension 448.  We are glad to answer your questions and share more details about our workers' comp program! 

Workers' Comp FYI......

Workers’ Comp Claim Reporting

Promptly report any employee injuries or related workplace incidents to your workers' comp insurance carrier. Please have pertinent employee data and facts regarding the injury available when calling to speed the process.

Frankenmuth Insurance policyholders call 800.234.4433 or report online at www.fmins.com. 

Michigan Millers policyholders call 800.888.1914 (choose the claim department extension or hold for operator assistance). 

Workers’ Comp Payroll Audits

Payroll audits are necessary because workers’ comp premiums directly correspond to an employer’s total payroll.  Practices with many employees will pay more premium than a smaller practice with fewer employees. While sometimes inconvenient, these audits are important.  For example, your total payroll will likely decrease if a member of your staff retires.  As a result, your workers’ comp premium will be lower given the reduced staff exposure.  The payroll audit process is typically the means by which these (and other) types of common occurrences are factored into your premium.

If you’re corporate officer or partner……

The Michigan workers’ comp statue allows you to include or exclude yourself from coverage under a professional corporation or partnership workers’ comp policy. Before making a decision, speak with an MDA Insurance representative as there are many factors to consider. Given the relatively low cost to include yourself, however, it is generally recommended that eligible corporate officers or partners do so (sole proprietors are not eligible for workers’ comp coverage, although coverage must be provided for employees of the sole proprietor in accordance with state statute).

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