2019 Rate Overview
In 2019 Missouri's workers' compensation premiums averaged $1.31 per $100 of payroll, slightly above the national average of $1.20. Rates varied widely by industry, with construction at $2.45, manufacturing at $1.78, and clerical occupations as low as $0.68 per $100 of payroll.
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How Rates Are Calculated
Missouri's Department of Labor and Industrial Relations assigns each employer a classification code based on job duties. Premiums are calculated by multiplying the class rate by the employer's payroll and a experience modification factor (mod) that reflects past claim history. A lower mod reduces the premium, while a higher mod increases it.
Industry Comparisons
| Industry | Average Rate (2019) | Typical Mod Range |
|---|---|---|
| Construction | $2.45 per $100 payroll | 0.80–1.30 |
| Manufacturing | $1.78 per $100 payroll | 0.90–1.20 |
| Retail | $1.10 per $100 payroll | 0.95–1.10 |
| Clerical/Administrative | $0.68 per $100 payroll | 0.85–1.00 |
Factors Influencing 2019 Rates
- Claims History: Employers with frequent or severe claims received higher experience mods.
- Safety Programs: Participation in approved safety training can lower class rates.
- Payroll Size: Larger payrolls spread fixed administrative costs, often resulting in a lower effective rate.
- Legislative Changes: Minor adjustments to the state's benefit schedule in 2019 had limited impact on overall premiums.
What Employers Can Do
To manage costs, Missouri employers should regularly review their classification codes for accuracy, invest in injury‑prevention training, and monitor their experience mod. Requesting an audit after a major claim can also identify opportunities to reduce future premiums.