Missouri Contractor Insurance Requirements
Missouri requires workers' compensation for employers with five or more employees, with a threshold of one employee for construction-related businesses. The Missouri Division of Workers' Compensation administers the program. The Missouri Board for Contractors does not require a single state license, so contractor licensing is done at the local level. Kansas City and St. Louis have separate requirements that often exceed state minimums.
Missouri COI Requirements at a Glance
The following table summarizes the minimum insurance requirements for contractors operating in Missouri. Commercial property managers often require limits above state minimums.
| Coverage Type | Minimum / Status |
|---|---|
| General Liability (per occurrence) | $500,000 |
| General Liability (aggregate) | $1,000,000 |
| Workers' Compensation | Mandatory 5+ employees (1+ for construction) |
| Umbrella / Excess Liability | Commonly Required on Large Projects Common minimum: $1,000,000 |
| Additional Insured Endorsement | Commonly Required |
| Waiver of Subrogation | Commonly Required |
Coverage Notes
GL: No statewide minimum, but Kansas City and St. Louis require $500K–$1M for permitted work. Commercial property managers typically require $1M/$2M.
WC: RSMo § 287.030 requires WC for employers with 5+ employees in general, or 1+ employees in the construction industry. Corporate officers can be excluded from the employee count.
Umbrella: Required on state agency contracts and larger commercial projects in Kansas City and St. Louis.
Additional Insured: Standard on commercial property management contracts.
Waiver of Subrogation: Standard on commercial contracts in Missouri.
Missouri-Specific Laws & Regulations
These laws directly affect how contractor insurance requirements are structured in Missouri. Property managers should be familiar with these statutes when reviewing vendor COIs.
Missouri Workers' Compensation Law (RSMo § 287.030)
Requires WC for employers with 5+ employees in general, or 1+ employee in construction. Corporate officers may be excluded from the employee count.
Missouri COI Frequently Asked Questions
Common questions from property managers and contractors about insurance requirements in Missouri.
Do contractors in Missouri need workers' compensation?
Missouri requires workers' compensation for construction employers with one or more employees, and for non-construction employers with five or more employees (RSMo § 287.030). All construction contractors must carry WC regardless of size.
What are the insurance requirements for Missouri contractors?
Missouri does not have a statewide contractor license, but Kansas City and St. Louis require $500K–$1M GL for permitted work. Commercial property managers typically require $1M/$2M GL with workers' compensation and additional insured endorsements.
Does Missouri require a statewide contractor license?
No, Missouri does not have a unified statewide contractor licensing program. Licensing is handled at the city and county level. Kansas City and St. Louis both have their own licensing requirements and insurance minimums. Always check local requirements for the specific municipality where work is performed.
What COI requirements should I use for Missouri commercial properties?
Missouri commercial property managers should require $1M/$2M GL, workers' compensation (always for construction contractors), additional insured endorsements, and waiver of subrogation. Check local licensing requirements for Kansas City or St. Louis projects.
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