Protect Your Team and Your Business
Workers’ Compensation Insurance in Missouri
Coverage That Supports Recovery and Responsibility
Work Comp Insurance for Missouri Employers
Even in the safest workplaces, accidents can happen. Workers’ compensation insurance helps cover medical costs, lost wages, and rehabilitation if an employee gets hurt on the job. At Fortner Insurance, we help Missouri businesses, from small offices to active job sites, stay compliant and protect both employees and employers when it matters most.
Whether you’re hiring your first employee or managing a growing team, we’ll walk you through your responsibilities and help you build a
work comp policy that fits your business.
What We Offer
Workers’ Comp Coverage Tailored to Missouri Workplaces
Medical Expenses
Covers doctor visits, hospital stays, prescriptions, and necessary treatments for work-related injuries or illness.
Lost Wages
Helps replace a portion of income while the employee recovers and can’t work.
Rehabilitation Services
Covers physical therapy or retraining needed after a workplace injury.
Disability Benefits
Includes temporary or permanent disability support based on the severity of the injury.
Death Benefits
Provides compensation to dependents in the event of a fatal workplace accident.
Legal Protection for Employers
Helps cover legal costs if an injured employee files a lawsuit.
Policy Management Support
We’ll help with annual audits, claims guidance, and compliance questions.
Why Missouri Employers Work With Fortner
Clear Answers. Trusted Carriers. Local Support.
We Help You Understand the Rules
Workers’ comp can be confusing. We’ll explain what’s required in Missouri, and help you stay compliant from day one.
We Make Policy Management Easier
From setting up your first policy to supporting audits and claims, we’re here to simplify the process.
We Support All Kinds of Employers
We work with nonprofits, contractors, churches, schools, retailers, and other small businesses across Missouri.
Workers’ Compensation FAQs
What Missouri Employers Ask Most
Is workers’ comp required in Missouri?
Yes, for most businesses with five or more employees—or any number if you’re in the construction industry. We’ll help you determine what applies to you.
Who is covered by work comp insurance?
Full-time, part-time, and sometimes even temporary employees. Volunteers are usually not covered unless specifically added.
Does workers’ comp cover illnesses as well as injuries?
Yes, if the illness is work-related—like exposure to harmful substances on the job.
Can I buy workers’ comp if I’m self-employed?
Yes. While not required, many sole proprietors choose to cover themselves, especially when working with contractors who require proof of coverage.
What happens if I don’t carry workers’ comp when required?
You could face fines, legal action, and personal liability. It’s best to stay covered and compliant.