Missouri Workers Comp Rates

Missouri workers' compensation rates decrease in 2019.

Missouri workers comp rates are about 7% higher than the national median for workers comp rates. The state currently ranks 21st from the most expensive states. A similar study conducted in 2018 listed Missouri as 36th, but rates have continued to increase at a faster pace than many other states.

Some of the driving forces affecting an overall decrease in workers compensation rates include fewer number of claims in the state, claim severity, the cost of medical care, and the overall loss ration of the insurance industry with regard to workers compensation insurance.

Missouri is still an excellent state for purchasing workers compensation because their are a lot of insurance companies competing for market share. Carriers can issue policy credits up to 25% in the state creating a wide variance for the cost of a policy.

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MO Rates for Select Work Comp Class Codes

The workers' compensation rates listed below for Missouri represent the current insurance rates we've found available effective 1/1/2019. There is no guarantee that any business or employer will qualify for the lowest workers' compensation rates. Our agency will help you compare workers compensation rates from more than 35 insurance comapnies so you find the best deal for coverage. Get rates for Missouri or find out-of-state coverage when you cross state lines for work.

Class Code Low Rate High Rate
0035 Farm- Planting and Harvesting- Cannabis Growers $1.88 $4.08
0042 Landscaping Service $5.34 $11.74
0106 Tree Trimming- Pruning- Removal $6.78 $14.37
0917 Tree Trimming- Pruning- Removal $3.67 $8.07
2121 Breweries- Craft Beers $1.28 $2.80
2143 Winery- Wine Makers $2.05 $4.49
2585 Carpet Cleaning $3.14 $6.90
2589 Dry Cleaning and Laundry Service $1.91 $4.18
3632 Machine Shop $2.86 $6.29
3724 Garage Door Installation $3.27 $7.19
3821 Salvage Yard- Automobile Recycling $4.67 $10.22
5022 Masonry Construction $5.46 $12.00
5102 Door and Window Installers $5.49 $12.07
5183 Plumbing Contractors $2.75 $6.04
5190 Electrical Work- Electrician $2.50 $5.50
5221 Concrete Work- Flat Work Cement $3.79 $8.33
5223 Pool Installation- Pool Maintenance $5.78 $12.70
5348 Ceramic, Tile and Stone Work $3.88 $8.53
5437 Trim- Finish Carpenters- Cabinets- Countertops $3.91 $8.59
5445 Drywall Contractors $4.42 $9.72
5474 Painting Contractor $5.06 $11.12
5478 Floor Installers- Wood-Carpet-Laminate $5.57 $12.24
5535 Metal Building Construction $5.43 $11.94
5537 HVAC- Heating and Cooling Service/Repair $3.53 $7.76
5537* Solar Energy Contractors- Installation $3.53 $7.76
5551 Roofing Contractors $13.75 $30.22
5606 Asphalt & Paving Work $1.15 $2.53
5645 Residential Construction- Home Builders- Remodelers- Siding $8.92 $19.61
6217 Excavation and Grading Work $3.84 $8.44
6400 Fence Installation & Repair $4.49 $9.87
7219 Trucking- Short Haul and Long Haul $6.54 $14.37
7225 Towing Company $6.15 $13.52
7230 Package and Parcel Delivery $6.20 $13.63
7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle $4.50 $9.89
7605 Alarm Installation and Repair $1.70 $3.74
7720 Security Guards- Patrol Officers $2.47 $5.43
8006 Gas Stations- Convenient Stores $1.61 $3.54
8017 Retail Stores- Merchandise- Cannabis Dispensary $1.38 $3.03
8292 Warehousing and Storage Facility $3.32 $7.30
8391 Auto Service and Repair- Mechanic $1.97 $4.33
8393 Auto Body Repair $1.22 $2.68
8742 Sales Professional $0.25 $0.55
8810 Clerical- Office Employee $0.12 $0.26
8824 Retirement Living Centers- Congregate Communities $2.32 $5.10
8829 Nursing Homes and Assisted Living Facilities $1.82 $4.00
8831 Animal Shelters and Kennels- Veterinarian $1.15 $2.53
8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist $0.25 $0.55
8835 Home Healthcare Workers $1.90 $4.18
8868 Social Service Organizations- Counseling- Family ServicesGroup Homes- Temporary Shelters- Disability Facility $0.37 $0.81
8869 Child Care Center- Daycare Providers $0.89 $1.96
9012 Property Management- Leasing Agent $0.85 $1.87
9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney $2.27 $4.99
9015 Building Maintenance- Campgrounds- Camps- RV Parks $2.68 $5.88
9052 Hotels and Motels $1.70 $3.74
9060 Golf Courses and Country Clubs $1.11 $2.44
9063 Fitness Center- Health Clubs- YMCA Programs $0.72 $1.58
9082 Restaurants- Catering $1.15 $2.53
9083 Fast Food Restaurant- Concessions- Doughnut Shop $0.92 $2.02
9083* Mobile Food Truck- Food Cart- $0.92 $2.02
9084 Bars-Taverns-Nightclubs $1.20 $2.64
9102 Lawn Service and Maintenance $2.71 $5.90
9180 Shooting Range- Amusement Park $3.95 $7.96
9402 Septic Tank Cleaning- Portable Toilets $3.81 $8.37
9403 Refuse Collection- Garbage- Trash Service $6.58 $14.29
9516 Electrical Equipment Repair and Service $3.07 $6.75

Missouri workers comp rates vary by industry classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses. Missour is an NCCI state and the State Fund is managed by Travelers Insurance Company.

State Resources for Missouri

Missouri Department Of Insurance

301 West High Street Room 530
PO Box 690
Jefferson City, MO 65102-0690
Missouri Dept. of Insurance

Missouri Department Of Labor and Industrial Relations

Division of Workers' Compensation
3315 West Truman Blvd, Room 131
PO Box 58
Jefferson City, MO 65102-0058
Jefferson City, MO 65102-0058
573-751-4231
MO Division of Workers Compensation

Missouri is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.

Our agency can help employers find guaranteed state fund coverage in MO. If we can't find coverage with a private insurance provider we can help buy a state fund policy.

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