Is workers’ compensation required in Missouri? 

Yes, once you have five or more employees. Construction businesses must carry it with just one employee. Part-time workers, family members, LLC members, and corporate officers all count toward the threshold. Going without required coverage is a criminal offense with penalties up to $50,000 or three times your premium. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.