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Are You Covered?

Are You Covered?

Are You Covered?

In the state of Missouri, any employer with five or more employees and any employer in the construction industry with one or more employees is required to maintain workers’ compensation coverage for its employees. An employer in Missouri may satisfy this requirement by either obtaining a workers’ compensation policy or obtaining permission from the Division of Workers’ Compensation (Division) to self-insure its workers’ compensation liabilities.

Follow this three-step process to determine whether an employer has coverage in the state of Missouri through one of the methods above:

  1. Click below to see if the employer has obtained a workers’ compensation policy through an insurance carrier. NOTE: If you don’t find the employer through this search, the employer may be authorized to self-insure its worker’s compensation liabilities. Please return to this page to search for a Division authorized self-insured employer under step #2.
    Employers' Workers' Compensation Coverage
  2. Click below to see if the employer has been granted authority to self-insure by the Division.
    Is Employer Self Insured by the Division?
  3. Click the button below to obtain the revisions to the National Council on Compensation Insurance (NCCI) manuals that became effective January 1, 2014.
    National Council on Compensation Insurance Manuals

Limitation of Information

The information accessible through this web site is a representative reflection of selected information available to the Missouri Division of Workers' Compensation and should be used only as a guide in seeking specific workers' compensation coverage verification. There may be discrepancies in the information provided due to causes outside the control of the Missouri Division of Workers' Compensation, such as reporting/recording delays and inaccuracies. Results obtained from a search of this web site cannot be the sole basis for a legal determination as to whether a particular employer was insured at a particular time. We recommend that you make contact with the insurance carrier listed to verify coverage. Please note the (full disclaimer) below. If you have questions, please call the Division of Workers’ Compensation at 1(800)775-2667.

 

Disclaimer

The information accessible through this web site is a representative reflection of selected information available to the Missouri Division of Workers' Compensation and should be used only as a guide in seeking specific workers' compensation coverage verification. There may be discrepancies in the information provided due to causes outside the control of the Missouri Division of Workers' Compensation, such as reporting/recording delays and inaccuracies. Results obtained from a search of this web site cannot be the sole basis for a legal determination as to whether a particular employer was insured at a particular time. We recommend that you make contact with the insurance carrier listed to verify coverage. Some insurers (and self-insured employers) choose to have some or all of their workers' compensation claims handled day-to-day by "Third-Party Administrators" [TPAs]. The available information does not necessarily identify all of the insurers or self-insurers who may use TPAs or the contact information for the TPAs, which can change frequently. Further, the issuance of a valid policy of workers' compensation insurance (or the authority to self-insure) does not obligate the insurer (or self-insurer) to pay all the benefits demanded by any claimant. Typically, an insurer (or self–insurer) will investigate each claim and make an initial determination whether to pay benefits voluntary or to deny the claim. A claimant who is dissatisfied with the decision of the insurer (or self-insurer) may take additional steps to seek the desired benefits, as discussed elsewhere on this web site.

By accessing, browsing, and using this web site, you accept and agree, without limitation or qualification, to the following. Your use of this web site, or any information available through this web site, is at your own risk. Neither the state of Missouri nor its employees warrant that this web site will be uninterrupted, problem-free, free of omissions, or error-free; nor do they make any warranty as to the results that may be obtained from the use of this web site. The content and function of this web site are provided to you "as is," without warranties of any kind, either express or implied, including, but not limited to, warranties of title, merchantability, fitness for a particular purpose or use, or timeliness. In no event will the state of Missouri, any of its agencies or employees, be liable for any incidental, indirect, special, punitive, exemplary, or consequential damages, arising out of your use of or inability to use this web site, including without limitation, loss of revenue or anticipated profits, loss of goodwill, loss of business, loss of data, computer failure or malfunction, or any other damages. The state of Missouri, all of its agencies and employees, shall be held harmless against all claims, suits, judgments and/or damages allegedly resulting from any disclosure of any information through this web site, including all costs and fees. You assume sole responsibility for your results when using any information obtained through this web site.

The Department of Labor and Industrial Relations site policies and disclaimer posted elsewhere on this site are incorporated herein by reference. If you have questions, please call the Division of Workers’ Compensation at 1(800)775-2667 or you may wish to consult an attorney.

Contact

Missouri Division of Workers Compensation
3315 W. Truman Blvd., Room 131
P.O. Box 58
Jefferson City, MO 65102-0058

Phone: 573-751-4231
Toll-Free: 800-775-2667
Fax: 573-526-4960
workerscomp@labor.mo.gov