MO Workers Comp Information

Find the latest news and information about Missouri workers compensation insurance.

Missouri's earliest workers compensation law was adopted in 1925. It enacted a simple procedure whereas injured employees could receive medical and disability benefits without having to hire a lawyer. Today, Missouri work comp law is much more complicated in the Show-Me State.

In 2005, The Missouri legislature changed MO workers compensation laws to make it more difficult for employees to obtain workers compensation benefits if negligent. The new law required that the on-the-job injury be the prevailing factor rather than just a factor at all. Many of the legislative changes are still being tested in the court system and the overall affect on premium is still unrealized.

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About Workers Compensation in Missouri

Missouri Workers Compensation Regulation

The Missouri Division of Workers' Compensation oversees workers comp in Missouri. They approve all workers compensation regulations, monitor the workers comp market in MO, and manage the Assigned Risk Pool for the State. DIFP can be contacted at 800-394-0964.

Missouri State Fund

The Missouri Workers' Compensation Assigned Risk Pool (also known as the Missouri Workers' Compensation Insurance Plan) is designed to provide access to workers compensation coverage for employers who are unable to find coverage from a private insurance company. The plan is currently administered by Travelers Insurance Company. The plan goes out to bid by interested carriers every few year.

Missouri Workers Comp Injury Reporting

Employers are required to notify their insurance company as soon as practical after a work-related injury. The injury must also be reported to the MO Division of Workers' Compensation, but this is typically handled by your insurance company.

MO Contractors Credit Premium Adjustment Program

CCPAP provides a premium credit back to contractors when their average wages are higher than $18.00 per hour in Missouri. Insurance companies are required by law to send the required form to all contractors who are in an eligible class code. The form must be completed and sent to NCCI within 180 days from the policies inception. For more information on the CCPAP program in Missouri please contact one of our workers' compensation Specialists.

Missouri Second Injury Fund

The Missouri Second Injury Fund was established by legislature to remove the burden of providing work comp benefits to an injured worker for disabilities that existed prior to the current injury. The Fund compensates injured workers who become permanently disabled beyond the scope of a single injury due to prior injuries sustained.

In 2014 the second injury fund surcharge double from 3% to 6% in an effort to prevent the fund from going bankrupt. Rates will likely increase in the future.

2014 Workers Compensation Rates Expected to Increase Significantly

The National Council on Compensation Insurance (NCCI) recommended a workers compensation rate increase of 11.6% for Missouri for 2014. The Missouri Department of Insurance recommended a slightly less increase of 10.1%. State law allows insurance companies to set their rates based on either recommendation.

The largest workers comp provider in the state with 17.75% market share, Missouri Employers Mutual, is expected to increase rates an average of 10.8% during 2014.

We are advising employers to shop workers compensation coverage so that carriers must compete for their business.

2013 Senate Bill Doubles the Second Injury Fund Surcharge

Effective January 1, 2014 the surcharge rate on all Missouri workers comp policies will increase from 3% to 6% due to a Senate Bill passed in 2013 by Governor Jay Nixon. The Mo Dept. of Insurance estimated the Fund would likely go broke without an infusion of more funding.

2011 Workers Comp Updates

During 2011, the Missouri House and Senate reached a compromise on changes to the Missouri workers compensation statutes, but ran out of time to pass the bill. This month, legislatures began reworking state workers' compensation laws based on that compromise bill. Some of the changes to the bill include: a) Clarifying that occupation diseases are exclusively covered by workmans comp, b) Defining toxic exposure and clarifying that employees who sue employers and win do not have to give prior workers comp payments back, and c) Creating a policy that says employees not authorized to wok in this country are not eligible for workers compensation coverage.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Healthcare
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Missouri Schedule Rating Plan

Schedule Rating Saves You Money

A schedule rating allows insurance companies to adjust an employer's premium based on unique underwriting characteristics such as years in business, management experience, and location. State law in Missouri allows insurance carriers to place a policy credit or debit on a policy up to 25% maximum. Schedule rating is important to business owners because it can have a significant impact on the cost of coverage.

Our agency helps negotiate MO scheduled credits for employers.

Let Workers Compensation help your business navigate workers comp insurance in Missouri.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
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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