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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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