Do I need workers compensation insurance?

Workers Compensation Insurance Requirements in Missouri

In Missouri, most employers are required to carry workers compensation insurance to cover employees who suffer work-related injuries or illnesses. This insurance helps protect your business from costly claims and ensures compliance with state regulations.

When Is Workers Compensation Insurance Required?

• General Requirement: If you have one or more employees, you must carry workers compensation insurance.
• Exception for Sole Proprietors and Partners: Sole proprietors, partners, and corporate officers can choose to exempt themselves from coverage if they do not have any employees.
• Construction Industry: Missouri requires workers compensation insurance if you have one or more employees working in construction, regardless of the business structure.

Operational Considerations

• Employee Classification: Properly classify workers as employees or independent contractors to determine coverage needs accurately.
• Insurance Providers: You can obtain coverage through private insurance companies or the Missouri Employers Mutual Insurance Company (MEM).
• Recordkeeping: Maintain clear records of employee payroll and insurance coverage to meet reporting and compliance requirements.
• Payroll Integration: Automate payroll processes to ensure workers compensation premiums are calculated and paid correctly.
• Compliance Monitoring: Regularly review your coverage status, especially if your workforce size or business activities change.

As of 2026

Missouri's workers compensation insurance requirements remain mandatory for employers with employees. Stay updated on any changes by consulting the Missouri Department of Labor and Industrial Relations or your insurance provider.