Do I need workers compensation insurance?

Workers Compensation Insurance Requirements in Missouri

In Missouri, determining whether you need workers compensation insurance depends on the size and nature of your business operations.

When Workers Compensation Insurance is Required

• Businesses with 5 or more employees: If your business has five or more employees, including part-time and seasonal workers, you are generally required to carry workers compensation insurance.
• Construction industry: If you operate in the construction sector, the threshold lowers to having 1 or more employees, meaning you must have workers compensation insurance even if you have only one employee.
• Employers with corporate officers: Corporate officers may be excluded if they file the proper waiver, but this requires specific documentation.

Operational Considerations

• Employee classification: Properly classify your workers to ensure compliance and accurate premium calculation.
• Recordkeeping: Maintain detailed payroll and injury records to support claims and audits.
• Insurance shopping: Compare workers compensation policies to find coverage that fits your business size and risk profile.
• Compliance: Stay updated on Missouri Division of Workers’ Compensation requirements to avoid penalties and business interruptions.

As of 2026

Missouri’s workers compensation insurance requirements and thresholds may be updated. Regularly check with the Missouri Department of Labor and Industrial Relations to confirm current rules and reporting requirements.