Missouri’s workers’ compensation system helps provide important benefits to 123,000 small businesses. These benefits may include providing medical payments, lost wages, and disability benefits to employees who are injured on the job. Workers’ comp may also provide benefits to the dependents of employees who die due to a work-related incident.
Under Missouri workers’ compensation law, if you employ five or more workers, your small business is required to carry workers’ comp insurance. However, if you are in the construction industry and employ just one or more workers, you must also carry workers’ compensation insurance. It’s important to abide by state law in order to avoid paying fines and legal fees—but more importantly—to protect your business and provide care for your employees.