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EMPLOYERS ® - Missouri

From St. Louis to Kansas City, Missouri has long been at the center of American history. The state is at the intersection of three of the greatest waterways in North America: the Mississippi, Missouri, and Ohio rivers. In the 1800s, Missouri was the starting point for settlers moving west on the Oregon Trail and for the mail delivery service on the Pony Express. Since that time, Missouri has grown into a leading producer of beef, pork, chicken, dairy products, soy beans, corn, and rice. 

Small businesses are a major force in Missouri’s economic landscape. The state’s economy has grown by 2.5% annually since 2011, with small businesses as the driving force behind this growth. Missouri has around 115,000 small firms which employ around 1.1 million workers, or 48% of the private workforce. Leading small-business sectors include health care and social assistance, retail trade, accommodation and food services, construction, and manufacturing.1

In Missouri, every employer with five or more employees must carry workers’ compensation insurance with a carrier approved by the Missouri Department of Insurance. However, employers that have four workers or less can also elect to purchase workers’ compensation insurance in order to protect themselves from costly lawsuits in case of worker injury.2

Worker’s compensation laws are stricter for construction industry employers engaged in building, remodeling, or demolition. Employers in the construction trade are required to carry workers’ compensation insurance for every employee.3

The leading independent businesses purchasing workers’ compensation insurance in Missouri are auto service and repair shops, restaurants and hotels, grocery stores, printers, hardware stores, machine shops and metal stamped goods manufacturers, libraries, computer equipment manufacturers, and retail stores.

EMPLOYERS is America's Workers' Comp Specialist®, and it provides Missouri-based businesses with workers' compensation insurance that is cost-effective and affordable. The value added services that EMPLOYERS offers its policyholders include Loss Control Services, Anti-Fraud Programs, and Managed Care Services. 

In Missouri, EMPLOYERS writes policies through  Employers Assurance Company and Employers Preferred Insurance Company.

Interested in learning more about how EMPLOYERS workers' compensation insurance can help your Missouri business? Click on the button below to Get Started Now and we will put you in touch with an EMPLOYERS-appointed agent.


1) “Small Business Profile, Missouri,” SBA Office of Advocacy, February 2013, .

2) Frequently Asked Questions,” Missouri Department of Labor, 2014, .

3) Frequently Asked Questions,” Missouri Department of Labor, 2014,

In Missouri, insurance is offered through Employers Compensation Insurance Company, Employers Assurance Company and Employers Preferred Insurance Company, Not all insurers do business in all jurisdictions.