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  1. Missouri Department of Labor
  2. Workers' Compensation
  3. Insurance

Insurance

  • What is workers′ compensation insurance?
  • Does an employer have to carry workers′ compensation insurance?
  • What are the penalties under the new law for workers′ compensation fraud?
  • How do I obtain coverage?
  • How is workers′ compensation insurance priced?
  • What is the period of Limitations to file a claim for compensation with the Division?
  • When do insurers and third-party administrators have to report an injury to the Division?
  • If I am a self-insurer, do I need a third-party administrator?
  • Do I need to notify the Division of changes to my self-insurance program?
  • I am an employer with multiple subsidiaries. Would my subsidiaries be covered under the same self-insurance authority as the parent company?
  • How long does it take for an application to be processed? My policy expires soon and I want to be self-insured by the time it is renewed.
  • The parent company and several subsidiaries are already self-insured. Do I need to resubmit the same data, such as the Third Party Administrator agreement, that applies to all the other entities? Will the application still take that long?
  • What are the on-site safety audits?
  • How much security is required to be posted? How is this amount calculated?
  • Due to a corporate restructure, our current self-insured entity was merged out of existence, and a new entity was created. Will the new entity need to apply for self-insurance?
  • How do I get my security reduced?
  • How do I get my security released?
  • What forms of security are acceptable? What are the requirements for each?
  • I keep getting a notice that my Excess Insurance Certificate is unacceptable. What is the Division looking for on the certificate?
  • Our broker informed me that we can save money by increasing our self-insured retention. What is required for a retention increase?
  • Our company has changed names/was bought out by another company? What do we need to submit to the Division?
  • Does an individual self-insured employer incur any surcharges or taxes?
  • What should I do if I wish to terminate my self-insurance authority?
  • What is the excess insurance policy limit requirement?
  • Are self-insured employers and groups allowed to handle their claims differently or pay different benefits than insurance carriers?
  • My employer is self-insured. My weekly check is always late. What can I do?
  • Is there a Guarantee Fund for groups?
  • Who sets the premium amount for my group?
  • What if my employer is no longer in business?
  • What if my employer is no longer a member of the group?
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Missouri Department of Labor