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Missouri Workers' Compensation Requirements
Required from 5 employees
✓ Verified 2026-09-08 Source: MO Department of Labor - Division of WC ↗
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At a glance
5+
employee threshold (general)
1
construction threshold
Private market
buy from any carrier
MO Department of Labor - Division of WC
official source (verified 2026-09-08)
The details
5+ employees general; construction industry: lower threshold applies regardless of count (labor.mo.gov).
FAQ
Do I need workers' compensation in Missouri?
Yes — once you regularly employ 5 or more employees (full or part-time), Missouri requires workers' compensation coverage.
What about construction businesses in Missouri?
Construction has a stricter threshold: coverage is required from 1 employee(s), versus 5 for general businesses.
What if I don't carry required coverage in Missouri?
Penalties vary by state and can include per-employee per-day fines, stop-work orders, and personal liability for injury claims. Check the official source below for Missouri's current enforcement posture.
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Official source: MO Department of Labor - Division of WC · Verified 2026-09-08 (official) · Compare all states · Construction rules · Farm rules