Workers’ CompMissouri
Pick your industry, monthly payroll and claims history to see an illustrative monthly workers’ compensation cost guide for a business in Missouri. This page uses a modeled state-adjusted benchmark because 10 Second Quotes does not currently use a state-specific class-rate table for Missouri.
In the Oregon Department of Consumer and Business Services 2024 interstate study, Missouri had a workers’ compensation premium index of $1.31 per $100 of payroll, equal to 120% of the study median. Oregon DCBS placed Missouri at 120% of the study median, which falls in the study’s greater-than-110% range. In that standardized comparison, Missouri was above the study median; small differences in the index can still move a state several ranking positions.
The premium index is a standardized interstate comparison built from a consistent mix of major risk classifications. It does not mean every Missouri employer pays $1.31 per $100 of payroll, and it is not an official Missouri class rate or insurance quote.
For Missouri, 10 Second Quotes starts with a national industry benchmark derived from public workers’ compensation datasets and scales it to Missouri’s statewide index of $1.31. That preserves differences among industries while making the estimate sensitive to the state’s overall cost environment.
The calculator then applies the same simplified claims-history adjustment used elsewhere on 10 Second Quotes. Exact premiums can differ substantially because of the employer’s actual classification, payroll, experience modification, insurer, underwriting, location, minimum premiums, fees and assessments.
No. This is an educational cost guide. It is designed to give a fast directional estimate until a state-specific public dataset suitable for this calculator is integrated. A carrier, agent, state fund or rating organization may classify and price the same business differently.
State adjustment source: Oregon DCBS 2024 Workers’ Compensation Premium Index Rates. The Oregon study is used as an interstate adjustment benchmark; 10 Second Quotes is not affiliated with or endorsed by Oregon DCBS or the State of Missouri.
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*Illustrative estimate only — not an insurance quote. Estimated costs use a modeled industry benchmark adjusted using public state workers’ compensation cost data for Missouri. The claims-history adjustment is a 10 Second Quotes product assumption, not an official experience modification or insurer rating factor. Actual premiums may vary substantially.
Missouri uses a national industry benchmark adjusted by the Oregon DCBS 2024 premium index for the state. It is not an official state class-rate filing or an insurer quote.
Claims history adjustment. 10 Second Quotes uses a simplified claims-history assumption solely to illustrate how prior claims may affect cost. It is not an official experience modification or insurer rating factor, and it does not calculate or predict the rating factor an insurer may apply.
These factors are 10 Second Quotes product assumptions for illustrative estimation only.