Missouri
What the Missouri authorities publish about business insurance, quoted directly, with a link and a date on every answer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
What triggers workers’ compensation coverage for a Missouri employer?
The Missouri Division of Workers’ Compensation states that any employer with five or more employees, and any employer in the construction industry with one or more employees, is required to maintain workers’ compensation coverage. Missouri runs two thresholds, and the construction one is the lower — quoting only the general five would understate it by four employees for a contractor.
“any employer with five or more employees and any employer in the construction industry with one or more employees is required to maintain workers’ compensation coverage”
What auto coverage does Missouri law require?
The Missouri Department of Revenue states that the required level is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property. Missouri also mandates uninsured motorist coverage — the Department states the law requires $25,000 for bodily injury per person and $50,000 for bodily injury per accident, which many states leave optional.
“The minimum level of coverage required by state law is: $25,000 per person for bodily injury $50,000 per accident for bodily injury $25,000 per accident for property The law also requires you to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.