FAQ

You'e Got Questions

We've Got Answers! 


Let’s face it: You didn’t get into the construction industry just to become an expert on workers’ compensation insurance. That’s why we have made the process of buying workers’ comp as easy and pain-free as possible.

But we do understand that questions come up. That’s why we’ve compiled a list of the most popular questions we get asked.

If you have additional questions, contact us directly at (586) 790-7810.

CAMComp Group Workers’ Comp Coverage Questions and Answers

Can I join any time during the year?
Yes, we will prorate your day of entry to 12/31. Your following 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, the 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. ( PLACEHOLDER FOR PAY ONLINE LINK - WILL BE IMPLEMENTED RIGHT BEFORE LAUNCH ) 

When was this program started?
The program started on 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, the 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 primarily be a contractor, subcontractor, or a supplier of materials for 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.

Download More Information About Workers’ Compensation in Michigan

General Information Regarding Rights and Responsibilities Under the Act: Subcontractors, General Contractors, Independent Contractors Published by Workers’ Compensation Agency

An Overview of Workers’ Compensation in Michigan Published by Workers’ Compensation Agency

Sole Proprietor/Employer Exclusion Form

Workers’ Compensation Exclusion Qualification


Are You Ready for a Workers’ Comp Program That Pays You to be Safe?

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When it comes to workers' comp coverage, you need a company that's on your side.


FACT: Most individual insurance programs collect premiums year after year - protecting their bottom line, not yours.


CAMComp invests your premiums, and if the premiums collected exceed the claims paid out, everybody wins.
With CAMComp, it pays to work safely.

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