Do contractors in Missouri need workers compensation insurance?

Workers comp at 5+ employees; additional insured common in contracts. In Missouri, coverage rules are defined by RSMo §287. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.

What are the certificate of insurance requirements in Missouri?

Missouri employers with 5+ employees need workers comp; certificate verification is standard in construction. Beyond state law, most commercial contracts in Missouri require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.

How do I track contractor COIs automatically?

COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.

Certificate of Insurance Requirements in Missouri

Missouri employers with 5+ employees need workers comp; certificate verification is standard in construction.

What contractors in Missouri must carry

Workers comp at 5+ employees; additional insured common in contracts.

Key facts about Missouri COI compliance

Workers comp applies at 5+ employees
Certificate verification is standard in construction
St. Louis and KC have active commercial markets

Typical requirements in Missouri

General liability	$1M typical
Workers compensation	Required at 5+ employees
Additional insured	Common in contracts

Typical contract terms in Missouri — always confirm with your legal counsel and insurer.

Statutory basis

Key references: RSMo §287. Note that contract requirements often exceed state law — most commercial agreements in Missouri require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in Missouri

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a Missouri-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.