How do I know if I am in the construction industry?

← Workers' Compensation - Proof of Coverage
If you erect, alter, demolish or repair improvements you are regarded as a construction industry employer and are required to purchase workers′ compensation insurance if you have one or more employees. The law does not contain a list of employers who are classified as construction industry employers. However, carpenters, plumbers, electricians, roofers, painters, landscapers, welders, machinery installers, concrete construction workers, earth movers or drillers, generally fall within the contracting classification codes.

Please check the Department of Insurance, Financial Institutions and Professional Registration website for information relating to the Contractors Credit Premium Adjustment Program that provides a premium credit for construction industry employers who pay high hourly wages. It applies only to the construction class codes--it does not apply to office workers or other non-construction employees.

Workers' Compensation - Proof of Coverage

  1. Who is required to carry workers′ compensation insurance coverage?
  2. How do I know if I am in the construction industry?
  3. What are the workers′ compensation provisions that apply to a limited liability company?
  4. My company is a limited liability company, are the LLC members covered?
  5. Does workers′ compensation cover my family members?
  6. My business has volunteers do I need to purchase workers′ compensation insurance coverage for the volunteers?
  7. I am an S corporation, am I subject to the law and do I need to carry workers′ compensation insurance?
  8. I am not required to carry workers′ compensation insurance under the law; however, my general contractor says that I need to provide proof of workers′ compensation insurance coverage. Can he do this?
  9. What procedure does a corporation need to follow in order to be exempt from the workers′ compensation requirements?
  10. Does the insurance policy that the employer purchased cover all liabilities in the state of Missouri?

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