Small-business cover in Missouri.
In Missouri, workers’ comp is required at Non-construction: 5+ employees; construction: required at 1+ employee[S]Missouri workers' compensation threshold. Missouri generally requires workers' comp at five or more employees for non-construction employers, but all construction-industry employers must cover from the first employee. Trade licensing is largely municipal. Regulated by the Missouri Department of Labor and Industrial Relations, Division of Workers' Compensation.
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Missouri starts with workers' compensation, required at Non-construction: 5+ employees; construction: required at 1+ employee, plus the general liability that most clients and licenses ask for before you can take a job.
What does Missouri require?
Non-construction: 5+ employees; construction: required at 1+ employee[C]Missouri workers' compensation threshold
Missouri generally requires workers' comp at five or more employees for non-construction employers, but all construction-industry employers must cover from the first employee. Trade licensing is largely municipal. Regulated by the Missouri Department of Labor and Industrial Relations, Division of Workers' Compensation.
What licensing and bonding does Missouri require?
- Construction is held to the one-employee threshold
- Licensing predominantly at the city/county level