Does an employer have to carry workers comp insurance?
Generally, “yes,” but there are exceptions. As a general rule, firms with five or more employees must be covered, although contractors with even one employee must also buy coverage. It is important to note that Missouri law does not distinguish between employees of different employment statuses. The statutory definition of “Employee” includes both full and part-time employees, seasonal and even temporary employees. The Workers’ Compensation Act does exempt a very small and very specific group of employees, which includes farm laborers, domestic servants, certain real estate agents and direct sellers and commercial motor-carrier owner-operators. Sole proprietors and partners are not themselves covered unless they elect to be covered. On the other hand, close family member-employees and members of limited liability companies are presumed to be covered unless they opt out. Employers that don’t have the required number of employees or who have employees in the exempt categories may neverth
Generally, “yes,” but there are exceptions. As a general rule, firms with five or more employees must be covered, although contractors with even one employee must also buy coverage. It is important to note that Missouri law does not distinguish between employees of different employment statuses. The statutory definition of “Employee” includes both full and part-time employees, seasonal and even temporary employees. The Workers’ Compensation Act does exempt a very small and very specific group of employees, which includes farm laborers, domestic servants, certain real estate agents and direct sellers and commercial motor-carrier owner-operators. Sole proprietors and partners are not themselves covered unless they elect to be covered. On the other hand, close family member-employees and members of limited liability companies are presumed to be covered unless they opt out. Employers that don’t have the required number of employees or who have employees in the exempt categories may neverth
