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Missouri

 

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Missouri Workers Comp Info

State Exemption available? Yes

Missouri requires workers comp if you have 5 or more employees, however even if you have less than that, your customers or General Contractors may still require that you purchase coverage in order to protect them from claims. If you purchase a policy, officers/owners of a corporation do count as employees- and can choose whether or not to coverage themselves. Subcontractors don’t count as employees AS LONG AS they meet some or all of the following:

  1. separate business entity
  2. have their own insurance
  3. can choose when to come to work
  4. provide their own tools/transportation.

If any of these items do not apply, the state may consider them to be employees for workers comp purposes regardless of whether you give them a 1099.

When calculating your Missouri Workers Comp Quotes, keep in mind the following amounts if you choose to include any owners/officers in the coverage. Even if owners don’t draw a paycheck, these are the payroll amounts that will be counted for each owner who wants coverage.

-$38,400 Minimum for Officers