Workers Compensation Insurance

Looking for Work Comp insurance in Missouri?

When your employees are taken care of, your business is taken care of.

A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, workers compensation coverage provides you and your employees with important protection.

You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.

A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.

Am I required to have Workers Compensation Insurance?

Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

In most states, work comp insurance is required.

How Much Is Workers Compensation Insurance in Missouri?

Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…

  • The number of employees you have.
  • The type of work your employees do.
  • Your claims history.
  • Your industry.

Like all insurance, Work Comp is priced based on risk.

Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.

Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate.

One way to save money on your Workers Comp policy is to make sure you’ve classified every employee correctly. The secretary for a construction firm, for example, will have lower rates than the bricklayers.

At Bull Insurance Agency, we understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.

Call our office today and we’ll discuss your needs and options. You can also head over to our quotes page and get started that way too.

To get started on a quote today, please fill out the information below.

Workers Compensation Quote Form

  • What type of corporate structure?
  • What is your employer id number? If you do not have one, please enter your social security number.
  • What are your current limits for employers liability (in thousands).
  • Please enter class codes, payroll associated with the code, and number of employees. See Example: 5474 - 76,000 - 2
  • What is your current modification factor? If you do not have an Emod, enter 1.00
  • Please list the other states that you either have locations in or do business in other than your home state.
  • Have you had any workers compensation claims in the past 5 years?
  • What is your renewal date?
  • Drop files here or
    Max. file size: 39 MB.
      For the most accurate proposal, please upload a current copy of you policy and loss runs if available.

    Request Your Proposal Here

    Are you ready to save time, aggravation, and money? The team at Bull Insurance Agency is here and ready to make the process as painless as possible. We look forward to meeting you!

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