Missouri's Workers' Compensation Insurance Law
Can't find your industry?
I appreciate the thoroughness and speed of Insureon's service. They answered my questions and helped me to get the products I needed quickly.
Customer Rating
4.5 out of 5 stars

Workers' Compensation Laws in Missouri

Missouri's laws require employers with five or more employees to carry Workers' Compensation coverage. If your business is involved in the construction industry, though, compulsory coverage kicks in at one or more employees. This number includes part-times, full-time, temporary, and seasonal employees.

MO Workers' Comp: Key Details

  • Sole proprietors and partners in Missouri are excluded from WC coverage, but can purchase an endorsement for coverage under their Workers' Comp policy.
  • Corporate officers count toward the statutory employee count.
  • The Workers' Compensation Act exempts a very small and specific group of employees, including…
    • Farm laborers.
    • Domestic servants.
    • Certain real estate agents and direct sellers.
    • Commercial motor-carrier owner / operators.
    • Volunteers of a tax-exempt organization.
    • Sports official or contest workers for interscholastic activity programs or amateur youth programs who are not employed by the sponsor of the event.
  • You may purchase insurance through a commercial provider or provide self-insurance (if eligible).

Still have questions about how Workers' Compensation works in Missouri? Visit the state's Department of Labor and Industrial Relations.

What Is General Liability Insurance?

Workers' Comp Insurance: Further Reading

See Workers' Comp Laws Where You Live