Buy affordable workers'compensation in Missouri onlinein less than 5 minutes

Most small business owners in Missouri need solid workers’ compensation. The State of Missouri requires employers to purchase workers’ compensation coverage if they have at least 5 employees—including part-time workers! The only exception is if you’re in the construction industry: Having only one employee mandates a workers’ compensation policy. 

Why is workers’ compensation important? Well, through workers’ compensation benefits, ill or injured workers who get impaired due to their job are entitled to medical care, job retraining, lost wages, and more, which would otherwise cost you (the employer) thousands of dollars in bills and fees. 

Workers’ compensation is easy to roll into your Missouri small business insurance policy. Plus, your premium costs might be much cheaper if you get coverage online. See what you might pay for workers’ compensation with Huckleberry by getting a quote now. (It’s completely online and free!)

Insurance companies use many factors to determine your insurance rates: your geographic location, the industry you operate in, the overall safety of your workplace.... But the most significant factor your premium is based on is the size of your business’s payroll. The more employees you have, the more likely one will have an accident on the job. 

A workers’ compensation policy could cost pennies relative to the amount of business income you bring in. It all depends on your specific business profile. Huckleberry customers who bought workers’ compensation coverage in Missouri have paid an average of $208 per month in premium. At the same time, some of our MO businesses have paid as little as $42 per month for workers’ compensation coverage. It all depends on your specific business and insurance needs. So don’t just speculate: Get a quick, free workers’ compensation estimate now.

So, how does workers’ compensation work? 

Suppose an employee of yours suffers a work-related injury. According to the Missouri Division of Workers’ Compensation (DWC), this injured worker is entitled to file a workers’ compensation claim. Meanwhile, you’re on the hook to report this injury to your private insurance company within five days from the date of injury or five days from when the injured employee reported this to you. If the claim is eligible, your insurer will then pay out a set amount for medical bills, wage replacement, rehabilitation services, or more.

Sometimes workplace injuries (or even occupational diseases!) are more severe than a broken bone or a scald that can leave a worker out of commission for a few weeks. Costs associated with job retraining may be covered under workers’ compensation, too. Workers’ compensation benefits can extend to more comprehensive medical treatment costs and provide temporary total disability benefits while your employee recovers from surgery, for example. 

Workers’ compensation may also provides permanent total disability benefits or even death benefits in the event of severe illness or injury. (In the event of an employee’s death, without coverage Missouri employers could be on the hook for up to $5,000 in funeral costs, as well).

1. It’s affordable. Save up to 32% on workers’ compensation. 
2. It’s online. As in, Internet. 
3. It’s fast. Get the coverage you need in minutes. 
4. It’s convenient. No brick and mortar insurance agencies to answer to.