Missouri Insurance Requirements

Thereís no way to make your life risk-free, but there are tools for the management of risk in your everyday life. Each state has their own insurance laws, and here are a few of Missouriís:

Minimum Auto Coverage

Missouri mandates that all vehicle owners carry minimum liability coverage of ď25/50/10Ē. But what do these numbers actually mean?

The 25/50 refers to bodily injury of $25,000 per person and $50,000 per accident. The 10 indicates property damage liability of $10,000 per accident. With new cars starting around $25,000 for a basic vehicle, you can see that this minimum requirement might be woefully deficient.

Also, keep in mind that these are liability limits, and provide protection for others that might be harmed in the operation of your motor vehicle. They do not provide you with any protection for your bodily injury or property damage. You would get your bodily injury protection through optional medical payments or uninsured/underinsured motorist coverage, and damage to your property is covered through optional collision and comprehensive coverage.

Some states include property damage in their uninsured/underinsured motorist coverage, but the state of Missouri does not.

Workers Compensation Laws

Itís wise to carry Workers Compensation coverage for all employees, because it provides not only medical payments coverage, but also coverage for lost wages and accidental death. It is determined as a factor of payroll, so itís easy to calculate your cost. However, there are instances in which business owners wish to be exempt from coverage. Highlights of the Missouri Workers Compensation statutes are:

  • Businesses with five or more full- or part-time employees are required by law to carry workers compensation insurance.

  • Contracting businesses with one full- or part-time employee are required to carry workers compensation insurance.

  • Sole proprietors and partners are excluded under the workers compensation statute unless they choose to be included.

  • LLC members and corporate officers are considered employees in Missouri and are included in workers compensation coverage. LLC members have the option to exclude themselves from coverage in Missouri, but to do so each LLC member must complete one of the LLC Rejection of Coverage forms, depending on whether the LLC Operating Agreement is an oral or written agreement.

  • A general contractor is liable for any injuries to uninsured subcontractors or their uninsured employees and can require that subcontractors carry workers compensation insurance.


Five Star Insurance Agency, Inc.

215 East Main Street

Festus, Missouri 63028

Phone: 636-937-9383

Fax: 636-937-9392


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