Michigan
What the Michigan authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
What triggers workers’ compensation coverage for a Michigan employer?
The Michigan Workers’ Disability Compensation Agency states that all private employers regularly employing 3 or more employees at one time are covered by the requirement. The Agency publishes further triggers alongside it, including ones based on hours worked over a preceding period, so this is not the only route into coverage.
“All private employers regularly employing 3 or more employees at one time”
What is the lowest auto liability limit a Michigan policy may carry?
Michigan DIFS states that the lowest coverage limits you may purchase are $50,000 for a person who is hurt or killed in an accident, $100,000 for each accident if several people are hurt or killed, and $10,000 for property damage in another state. Michigan's floor sits well above most states, and DIFS publishes a higher default still for anyone who makes no selection.
“The lowest coverage limits you may purchase are: $50,000 for a person who is hurt or killed in an accident. $100,000 for each accident if several people are hurt or killed. $10,000 for property damage in another state.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.