Workers Comp

What you need to know about workers compensation insurance in Missouri

 

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

 

 

Smart Insurance can help your business find complete solutions to your unique workers compensation insurance needs. We’ll find solutions that create safer and more productive workplaces, more confident and secure workers and overall savings you'll see on the bottom line.  

 

The nature of your business, the industry in which you work, and the amount of payroll are all important determinants on your workers’ compensation premium.  In the State of Missouri, businesses with 5 or more full or part-time employees must carry worker’s compensation coverage.  However, for those businesses in the contracting world, you must carry workers’ compensation with only 1 full or part-time employee. 

 

In addition, the way in which your business is structured will impact if anyone has the ability to be excluded from workers’ compensation coverage.  For example, members of an LLC have the ability to exclude themselves from coverage, whereas officers of a corporation are not given this option.  

 

Some Workers Compensation coverage can include:

 

  • Innovative payment systems

  • Medical disability case managers

  • Utilization management nurses

  • Certified life care planning nurses

  • Vocational rehabilitation consultants

  • Physician consulting services

  • Legal staff

  • Contracts with medical network providers

  • Managed prescription drug program

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Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.

This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.

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