If you work in the construction industry in Missouri, it is beneficial to understand the state’s workers’ compensation laws for this industry. They vary a little from other industries, so what you already know about workers’ comp may not be exactly how things work in this industry.
According to the Division of Workers’ Compensation, the main difference between workers’ compensation requirements for the construction industry and other industries is that construction companies must carry coverage if they have at least one employee. For other industries, the number of employees is at least five before coverage is required. It is important to note the activities of the company affect this requirement. The company must have coverage with one employee if its work involves repairing, altering, erecting or demolishing.
Another point to understand is that your health insurer is not likely to cover any injury you get on the job. So, if your employer does not carry the required workers’ compensation insurance, you may have to go to court to get your expenses covered. If you work for yourself, even though you are not required by law, you may want to get coverage so you have that protection should something happen.
If you work as a subcontractor for a company, which is common in this industry, you may be required to carry your own workers’ compensation insurance as part of your contract. The company, as the general contractor, is generally responsible for your injuries under the law, but its insurance company may require subcontractors to have coverage. This information is for education and is not legal advice.