Businesses with five or more part-time or full-time employees are required to buy a work comp policy.

All Missouri construction companies must buy workerscomp if they have at least one employee.

Sole Props & Partners are automatically excluded from a work comp insurance policy, but they can elect to cover themselves.

Sole Props & Partners who include themselves on a policy must utilize a minimum payroll amount of $40,600 for rating purposes. (as of January 1, 2017)

Corporate Officers are included for coverage.

Missouri considers Corp Officers to be company employees.

Consequently, they cannot elect to be exempt under Missouri work comp insurance laws.

LLC Members are automatically included on a workers compensation policy.

However, LLC Members may choose to exclude themselves from a policy.  They need to be excluded on the Work Comp Acord 130 application and complete the following form:

Missouri LLC Member Rejection of Coverage Form

LLC Members & Corporate Officers must use a minimum payroll of $40,600 for premium calculations. (as of January 1, 2017)

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