Does Your Business Need Workers’ Compensation Insurance in Missouri?

Workers’ compensation insurance ensures employees who get hurt or sick because of their jobs aren’t left struggling with the costs. It covers a wide range of issues that might arise in the workplace. Let’s break down the kinds of injuries and conditions that are usually covered:

1. Accidents at Work – Consider the times someone slips, trips, or falls at work or if there’s an accident involving machinery. If it’s because of work and leads to injuries like broken bones or cuts, it’s likely covered.

2. Injuries From Doing the Same Thing Over and Over – When employees do the same motions repeatedly, like typing or working on an assembly line, they can develop injuries over time, such as carpal tunnel syndrome or tendonitis. This insurance helps with that.

3. Sickness From Work Conditions – If an employee gets sick because of things they’re exposed to at work, like toxic chemicals or loud noises, causing lung diseases or hearing loss, workers’ compensation can step in.

4. Mental Health Issues From Work – Sometimes, work can be so stressful or traumatic it leads to psychological issues, like severe stress or PTSD after a scary event at work. If the work caused it, it might be covered.

5. Worsening of Pre-Existing Health Issues – If an employee already has a health problem and their job makes it worse—like a back issue getting bad because of heavy lifting at work—that could be covered, too.

6. Car Accidents While Working – Injuries can be covered if an employee is in a car accident doing something for work, like making deliveries or traveling to another work site.

7. Illnesses Caught at Work – This is especially important for healthcare workers. If they catch a disease from someone they’re caring for at work, workers’ compensation insurance is there to help.