What is property and casualty insurance?

Property and casualty insurance covers businesses and individuals against risks such as property damage, liability claims, and accidents.

What insurance does a small business need?

Most small businesses need general liability, workers compensation, commercial property insurance, and possibly professional liability depending on their operations.

Do you offer insurance in multiple states?

Yes, Insurance Plus LLC provides insurance services across Missouri, Iowa, Kansas, and Illinois.

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Workers' Compensation Insurance in Missouri

Protect your employees and your business. Workers' comp covers medical expenses, lost wages, and rehabilitation for employees injured on the job—and it's required by Missouri law for most employers.

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What Is Workers' Compensation Insurance?

Workers' compensation insurance provides benefits to employees who suffer work-related injuries or illnesses. Coverage includes medical expenses, a portion of lost wages, rehabilitation costs, and death benefits. In exchange, employees generally waive their right to sue their employer for workplace injuries.

Missouri law requires most employers with five or more employees to carry workers' compensation coverage. Construction employers must carry coverage regardless of the number of employees. Insurance Plus helps Missouri businesses find competitive WC rates across our carrier network.

Missouri Workers' Comp Requirements

Under Missouri Revised Statutes Chapter 287, employers with five or more employees must carry workers' compensation insurance. Construction industry employers must have coverage with even one employee. Agricultural employers with five or more employees are also required to comply.

Failure to carry required workers' compensation coverage can result in significant penalties, including fines, stop-work orders, and personal liability for the business owner.

Managing Your Experience Modification Rate

Your experience modification rate (EMR) directly impacts your workers' comp premiums. A lower EMR means lower premiums. Insurance Plus works with you to implement safety programs, claims management strategies, and return-to-work protocols that can help reduce your EMR over time, saving your business money on workers' comp costs.

What's Typically Covered

Medical expenses for work-related injuries

Temporary total disability benefits (lost wages)

Permanent partial disability benefits

Permanent total disability benefits

Vocational rehabilitation

Death benefits for surviving dependents

Employer's liability coverage

Legal defense for covered claims

Why Choose Insurance Plus?

Business-First Approach

We understand the unique risks Missouri businesses face and build coverage around your operations.

Dedicated Advisors

Your advisor knows your business inside and out, providing proactive guidance as your needs evolve.

Carrier Network

Access to 40+ carriers means competitive rates and the right coverage, not a one-size-fits-all policy.

Frequently Asked Questions

Is workers' comp required in Missouri?

Yes, for most employers with five or more employees. Construction employers must carry coverage regardless of employee count. Agricultural employers with five or more employees are also required.

What does workers' comp cost in Missouri?

Premiums are calculated based on your payroll, industry classification codes, claims history, and experience modification rate. Rates vary significantly by industry—office workers cost less to insure than construction workers.

What if an employee is injured on the job?

Report the injury to your insurance carrier immediately. The employee should receive medical treatment right away. Your carrier will manage the claim process, including medical payments and wage replacement benefits.

Can I use pay-as-you-go billing?

Yes. Insurance Plus offers pay-as-you-go workers' comp that integrates with your payroll to calculate premiums based on actual payroll each pay period, eliminating large upfront deposits.

Do independent contractors need to be covered?

Generally no, but Missouri has strict rules about who qualifies as an independent contractor. Misclassifying employees as contractors can result in penalties and back premiums. Consult with your Insurance Plus advisor.

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