Coverage | Multistate Coverage

Proudly serving employers beyond Missouri’s borders.

Missouri Employers Mutual started with the goal to keep all Missourians safe at work. Over the last two decades, MEM has strengthened our position as the state’s work comp leader. Still, some Missouri businesses were missing out on the difference an outstanding work comp partner can make: those with multistate exposures.

That’s why MEM invested in Previsor Insurance. Previsor launched in Kansas in 2015 to better serve businesses with Missouri and Kansas payroll. Previsor now writes in five more states: Arkansas, Illinois, Iowa, Nebraska and Tennessee. Businesses must have exposure in Missouri and one of these other states to qualify. Ask your agent about multistate coverage with MEM and Previsor.

 

Work comp coverage requirements vary by state. The following information is provided for general educational purposes and should not be relied on when determining your workers compensation coverage requirements in any state. Please contact your agent or carrier to discuss your particular workers compensation coverage requirements and options.

Click a state below to see the general requirements. To find your state’s compliance information, required forms and posters, and our injury reporting kit, visit our virtual claims kit.

In Arkansas, work comp is required for:

  • Businesses with three or more employees
  • Contracting businesses with one employee
  • Sole proprietors working in construction
  • Partners (may elect to be excluded)
  • Corporate officers (may elect to be excluded)

It is not required for:

  • Sole proprietors not working in construction

In Illinois, work comp is required for:

  • Businesses with one or more employee
  • Sole proprietors in construction, some trucking and extra hazardous businesses
  • Corporate officers (may elect to be excluded)

It is not required for:

  • Sole proprietors
  • Partners
  • LLC members

In Iowa, work comp is required for:

  • Businesses with one or more employee
  • Corporate officers (may elect to be excluded)

It is not required for:

  • Sole proprietors
  • Partners
  • LLC members

In Kansas, work comp is required for:

  • Businesses with one or more employee
  • Corporate officers (may elect to be excluded)

It is not required for:

  • Sole proprietors
  • Partners
  • LLC members
  • Certain agricultural businesses
  • Businesses with gross annual payroll of less than $20,000

In Nebraska, work comp is required for:

  • Businesses with one or more employee
  • Corporate officers (may elect to be excluded)

It is not required for:

  • Sole proprietors
  • Partners
  • LLC members

In Tennessee, work comp is required for:

  • Businesses with five or more employees
  • Contracting or construction businesses with one employee
  • Corporate officers (may elect to be excluded)

It is not required for:

  • Sole proprietors
  • Partners
  • LLC members

Wherever you have exposures, we’ve got you covered. Through our fronting partner, we can cover your work comp needs across the nation. If you have questions about coverage from MEM + Previsor, ask your agent or contact us.

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