Are All Employers Required to Carry Workers’ Compensation Insurance in Missouri?

In Missouri, employers with five or more employees must carry workers’ compensation insurance. Construction employers need it even with just one employee.


Workers’ compensation insurance is a protective cover designed to provide financial relief to employees who suffer from work-related injuries or illnesses. It is an essential safety net for workers, offering them medical benefits and wage replacement during their recovery period. But, the pressing question for many is: “Are all employers required to carry workers’ compensation insurance in Missouri?” In this article, we’ll delve into the requirements of Missouri’s workers’ compensation laws and how they impact both employers and employees.

Missouri’s Workers’ Compensation Law – A Brief Overview

Missouri’s workers’ compensation laws are designed to safeguard the interests of workers and employers alike. When an employee gets injured on the job, workers’ compensation insurance can provide the necessary financial support, eliminating the need for litigation and potential financial burden on both parties.

However, not all employers are mandated to have this coverage.

Who is Required to Have Workers’ Compensation Insurance in Missouri?

In Missouri, the requirement to provide workers’ compensation insurance is based on the size and nature of the business:

  1. General Employers: If an employer has five or more employees, they are generally required to have workers’ compensation insurance.
  2. Construction Employers: For businesses in the construction industry, even if they employ only one person, workers’ compensation insurance is mandatory.
  3. Exemptions: Some entities, such as farmers and certain religious institutions, might be exempt from these requirements.

Benefits of Workers’ Compensation Insurance

For employees:

  • Coverage of medical expenses related to the injury or illness.
  • Compensation for lost wages during the recovery period.
  • Additional benefits in case of severe injuries or, in the worst-case scenario, death.

For employers:

  • Protection against potential lawsuits from employees seeking compensation for workplace injuries.
  • Predictability of expenses, as premium rates are usually fixed.

Penalties for Non-Compliance

Employers who do not carry workers’ compensation insurance, when required, can face serious penalties. These can range from substantial fines to even criminal charges. Also, an injured employee can file a personal injury lawsuit against the employer if there’s no insurance coverage. This exposes the business to potentially significant financial liabilities.

Why It Matters to Understand Workers’ Compensation Insurance

For employees, understanding your rights ensures you receive the benefits you are entitled to if you’re injured on the job. For employers, understanding your obligations not only keeps you compliant with the law but also protects your business from potential legal battles and financial setbacks.

Speak with a St. Louis Workers Compensation Lawyer

If you’re a worker who has suffered an injury and are unsure about your rights or if you’re an employer seeking clarity on your obligations, it’s crucial to consult with an experienced attorney. The Law Office of James M. Hoffmann, located in St. Louis, brings over 30 years of experience in handling thousands of workers’ compensation cases. Our team provides personalized advice, ensuring your rights and interests are safeguarded.

Why choose the Law Office of James M. Hoffmann?

  • Experience: With over three decades of experience, we have honed our skills, offering top-notch representation in workers’ compensation cases.
  • Track Record: Handling thousands of cases, our success stories speak for themselves.
  • Accessibility: You can call us 24/7, ensuring you can reach out whenever you need.
  • Free Consultation: Before you make any decisions, benefit from a free consultation without any obligations.

So, “Are all employers required to carry workers’ compensation insurance in Missouri?” The simple answer is no, but many are. It’s imperative for both employers and employees to understand the nuances of Missouri’s workers’ compensation laws. And when in doubt, always consult with an experienced attorney. If you are in such a situation, contact a St. Louis workers compensation lawyer at the Law Office of James M. Hoffmann.

Speak With a Workers Comp Attorney

Give us a call 24/7 for a FREE Case Evaluation

Call (314) 361-4300
Updated: September 15, 2023