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Workers’ Compensation

Workers' Compensation Facts:

  • ANY employer in the CONSTRUCTION industry is required to carry workers’ compensation insurance if it has one or more employees
  • All other employers are required to carry workers’ compensation insurance if they have 5 or more employees
  • Per the Department of Labor: The definition of “employee” includes both full and part-time employees, and includes every person in the service of an employer under ANY contract of hire, express or implied, oral or written, or under any appointment or election, including executive officers of a corporation. Quick translation – An employee is defined as a W-2 employee, a subcontractor, a volunteer or a family member
  • If anyone is working on your job site without workers’ compensation insurance, you could be liable if they get hurt
  • Is a company that only employs family members required to carry workers compensation insurance by state law?
    • If the company is an LLC: The company is required to carry workers compensation insurance per statute 287.037
    • If the company is incorporated: The company can exempt themselves from workers compensation insurance. They must file form WC-134
  • The HBA of Greater Springfield requires our members to provide proof of workers’ compensation insurance coverage if they are required by state law to carry workers’ compensation insurance

Work Comp Flyer:  https://labor.mo.gov/sites/labor/files/pubs_forms/WC-259-AI.pdf

Department of Labor:  https://labor.mo.gov/

HBA member insurance companies: http://web.springfieldhba.com/Insurance