Missouri Workers Compensation-Workman Compensation

Missouri Workers Compensation Rules

Missouri Workers Compensation

1. Does my Missouri business need worker's Compensation Insurance?

Workers' compensation coverage is compulsory for all employers that have five or more employees. It is important to note that Missouri law does not distinguish between employees of different employment statuses. The statutory definition of "Employee" includes both full and part-time employees, seasonal and even temporary employees.

2. Who can exempt themselves from Missouri workers compensation Insurance?

A very small and very specific group of employees, which includes farm laborers, domestic servants, certain real estate agents and direct sellers and commercial motor-carrier owner-operators are exempt from carrying workers' compensation insurance. However, exempt employers that decide not to purchase workers' compensation insurance or to self-insure remain exposed to civil lawsuits brought by employees who are injured during work.

3. Does Missouri workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Construction industry employers who erect, demolish, alter or repair improvements must carry workers' compensation insurance if they have one or more employees. The workers compensation statute says that the general contractor is liable for any injuries to the employees of uninsured subcontractors. The general contractor 's insurer will charge additional premium if you cannot provide proof of coverage, even if you have no employees.

Sole proprietors and partners are not required by law to be covered unless they elect to be covered. However, close family member-employees and members of limited liability companies are presumed to be covered unless they opt out.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act , courtesy of Cornell University.
Click here for: USL&H Web Site - Dept of labor

Read the complete text of the Jones Act here.

Missouri Workers Compensation

Minnesota Division of workers compensaion

Minnestoa Workers Compensation forms

Check a business out to see if they have workers compensation

General Information of workers compensation