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Buying Workers Comp Insurance in Missouri

Missouri Coverage Requirements

    Employers with five of more full-time or part-time employees are required to purchase workers compensation insurance. All construction related businesses are required to purchase coverage if they have one employee.

    Sole-Proprietors and Partners are automatically excluded for workers compensation, but they can elect to be covered.

    Corporate Officers are included for coverage. Missouri considers officers to be company employees and, therefore, they may not elect to be exempt under MO workers compensation laws unless the company has no more than two owners who are the only employees.

    LLC Members are automatically included on a workers compensation policy. However, they may elect to be excluded by excluding themselves on the Acord 130 application for workers compensation and completing a Missouri LLC Member Rejection of Coverage Form.

    All business owners must assign 10% of their payroll to class code 8810-Clerical or class code 8742-Sales.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole-Proprietors and Partners who include themselves on workers compensation coverage must use a minimum payroll amount of $42,300 for rating purposes. (As of 01/01/2019)

    LLC Members and Corporate Officers must utilize a minimum payroll of $42,300 for the purpose of rating workers comp premium. (As of 01/01/2019)

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Missouri can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Missouri.

$O Deposit or Minimum Down

We've developed Pay As You Go workers' compensation programs that reduce or eliminate premium deposits and allow Missouri employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Easier to Qualify for Coverage

We offer workers compensation quotes from over 35 insurance carriers selling insurance in MO, making us your best option for lower workers compensation rates, and coverage for tougher work comp class codes in Missouri.

Quote Missouri Workers Compensation With Us

2020 Rates Expected to Decrease in Missouri

According to the MO Department of Insurance, work comp rates for most class codes are expected to decrease approximately 2.9% this year. Its more important to shop workers compensation coverage when insurance rates are decreasing because a lot of carriers work harder to win new business.

Need Help With Missouri Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our MO Workers Compensation Specialists help you determine your correct workers compensation class codes before your buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Missouri. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Missouri can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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