Not all employers have to carry workers' compensation insurance in Missouri. If a company has less than five employees total, that employer does not have to carry workers' compensation insurance. There is an exception to this rule for certain construction contractors, who must buy workers' compensation insurance even if they have only one employee. However, an employer with less than five employees can still elect to be covered under the Missouri Workers' Compensation law by purchasing insurance. Many small employers want to do this, even though it is not required, because purchasing workers' compensation insurance prevents the employer from being subject to getting sued in state court if their employees become injured on the job. Employees who work for covered employers can only bring an action against their employer for their injuries in the workers' compensation tribunal.

Jill S. Bollwerk
Helping St. Louis area residents with personal injury, workers' compensation & insurance appeals/disputes.