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The Michigan Workers' Compensation Placement Facility (MWCPF) is the source of workers' compensation and employers' liability coverage for Michigan employers who have been unable to secure other coverage through the voluntary market. The MWCPF was created by the State Legislature to ensure that all Michigan employers are able to obtain workers' compensation coverage as required by law.
How to apply for Michigan Assigned Risk Plan coverage online:  
  1. Register to use the Online Assigned Risk (OAR) website
2. Create a new application

·         Complete all sections.

·         You may not advance to a new page if errors exist.

3. Submit the application.

·         The MWCPF will review the application.

·         Feedback will be provided within two business days.

4. Receive email notification.

·         MWCPF will advise if additional information is required.

·         Original effective date is maintained if additional information is provided within two business days.

·         MWCPF will request payment when no additional information is required.

5. Make payment.

·         Electronic payment from the agent or insured account is required within two business days.

·         Credit Card payments are not accepted.

6. Receive confirmation email:

·         Coverage will become effective 12:01 a.m. the day after the application was submitted or at 12:01 a.m. on a future date requested.


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