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Missouri State Regulations

In Missouri, all employers with five or more employees are required to carry workers’ compensation insurance. For construction industry employers, the requirement applies if they have one or more employees. This coverage can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members with a substantial ownership interest are also excluded unless they choose to be covered. Missouri’s system ensures injured workers receive necessary medical care, wage replacement, and rehabilitation services. The Missouri Division of Workers’ Compensation oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage to safeguard workers’ rights and benefits.

Missouri Workers' Compensation Forms

Missouri First Report of Injury Form

MO First Report of Injury Form. Employers should complete this form and send to their insurance company each time an injury occurs
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Missouri Application for Exclusion of Officers and Stockholders

Owners and Officers of corporations should complete this form to exclude themselves from a work comp policy.
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