How Workers Compensation for Small Business Works In Missouri

Missouri has a well-established workers’ compensation system that pays benefits to employees injured in the workplace. The system requires employers to pay for workers’ compensation insurance to cater for the medical and personal expenses of the employee who suffers work-related injuries. Get detailed information about the important factors that play their role in employee satisfaction, on this website:

Failure to secure workers’ compensation policy or violating the laws can result in hefty fines and penalties. Luckily, with the help of reputable local insurance companies in Missouri, small businesses get to understand how workers’ compensation works.

Who Requires Workers’ Compensation Insurance in Missouri?

Missouri workers’ compensation law states that a small business with five or more employees must carry workers’ compensation insurance. However, businesses in the construction industry with only one employee must have workers’ comp insurance.

Missouri State includes full-time, part-time, seasonal, and temporary workers in its legal bracket of employees. Anyone under these categories has a right to workers’ compensation coverage from local insurance companies. Nonetheless, the state law exempts farm laborers, commercial motor carrier owner-operators, domestic servants, direct sellers, and specific real estate agents from the cover.

Additionally, business owners are required to include themselves in the company’s workers’ compensation coverage. However, one is exempted if they are an independent contractor, part of the partnership that owns the company, or sole proprietor. However, the law does not prohibit them from participating in a workers’ compensation plan. Having the plan saves the day, especially if the health insurance company denies them the claim in case of a work-related injury, disability, or death.

How Local Insurance Companies Handle Workers’ Compensation Claims in Missouri

As a small business, having a professional local insurance company by your side guarantees financial protection for your business. These companies offer workers’ compensation benefits that include:

1. Medical Treatment

Workers’ compensation covers medical expenses and economic loss if an employee is injured or becomes ill due to their work. Missouri State allows employers to choose their preferred medical provider to treat their injured employees. Once an injury or illness occurs, employees are required to inform the supervisor and proceed for treatment to the business’ preferred medical facility. If the injured employee chooses their own doctor, they pay the bills from their pockets.

2. Lost Wages

If an employee is injured and sustains any form of disability that prevents them from working, they are entitled to lost wages compensation benefits.

Most insurance companies make compensation based on the employee’s average weekly wage before the accident. Others pay up to two-thirds of the employee’s salary during recovery.

3. Death Benefits

In case a workplace injury results in death, the workers’ compensation insurance caters to the burial expenses. The spouse or dependents also receive benefits calculated per the employee’s salary during the accident.


Missouri workers’ compensation laws safeguard small businesses and their employees. The compensation law states that companies with more than five employees must carry workers’ comp insurance with few exceptions. These benefits ensure employees injured in a work-life are not negatively affected while protecting the business from substantial financial disruptions. Choose the right local insurance company for you!

Learn more about the simple but effective techniques and methods that you can adopt, on this website:

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Libby Austin

Libby Austin, the creative force behind, is a dynamic and versatile writer known for her engaging and informative articles across various genres. With a flair for captivating storytelling, Libby's work resonates with a diverse audience, blending expertise with a relatable voice.
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