Workers compensation rate filings in Missouri (2026)
Every carrier writing workers compensation coverage in Missouri files its rates and rating rules with the state's insurance regulator — the primary-source records behind every workers compensation quote in Missouri. This page tracks the 39 active workers compensation filing(s) on record for Missouri, filed by 2 distinct carrier(s).
Workers compensation rate filings in Missouri are reviewed by the Missouri Department of Commerce and Insurance. The governing authority is Missouri Revised Statutes Title XXIV Chapter 374 (Insurance). You can confirm any Missouri carrier or agent is licensed with the state's license-lookup tool. A workers compensation premium in Missouri is built from each carrier's filed base rates and rating rules applied to your business's exposure — the classification of your operation and the rating basis for this line. Because every carrier files its own rates and loadings, two Missouri businesses with the same profile can be quoted very different workers compensation premiums, which is exactly why comparing multiple carriers is the only reliable way to see where you land.
Carriers with workers compensation filings on record in Missouri include National Council on Compensation Insurance (NCCI), National Council on Compensation Insurance (NCCI) — MO filing. These are filings on record — Missouri's public system reports the carrier, line, and effective date but not the rate-change magnitude for every row. Where a base rate is filed, values run from $0.09 to $10.14 on the filed rating basis. The most-recent workers compensation filing we track for Missouri is effective January 2026. Every row below cites its filing reference so the Missouri regulator record can be verified.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | MO | Proposed +1.3% voluntary loss cost increase | Jan 1, 2026 | NCCI-134646477 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-8810 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-5551 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-7219 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-5403 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-9082 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-9083 |
| WC | MO | per $100 payroll (advisory loss cost) | Jan 1, 2026 | NCCI-134646477-MO-5223 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
National Council on Compensation Insurance (NCCI) filed MO-DCI-2025-NCCI-WC effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active). National Council on Compensation Insurance (NCCI) — MO filing filed NCCI-134646477 effective January 2026 (active).
Workers' Compensation covers medical bills and lost wages for Missouri employees injured on the job, and is mandatory in Missouri once a business has staff.
Across Missouri, workers compensation carriers earned about $1.1B in premiums at a 53% loss ratio and a 9.3% underwriting profit (NAIC 2023). That market-level result comes from the NAIC Report on Profitability by Line by State — a primary-source view of how workers compensation actually performs in Missouri, beyond any single carrier's filing.
Key takeaways for Missouri workers compensation
- Missouri workers compensation rate filings are public, primary-source records — every figure here traces to a filing reference you can verify with the state regulator.
- Your actual Missouri workers compensation premium depends on your classification, exposure basis, and each carrier's filed rates and loadings — the filings below are the starting point, not a single market price.
- Comparing quotes from multiple carriers is the only way to see how Missouri workers compensation rates differ for your specific operation.
Get a real Missouri workers compensation quote
Bureau loss-cost filings are the regulator-approved starting point — carrier premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's loss-cost multiplier (LCM). Request a free Missouri quote in under 90 seconds.
Get a free Missouri quote → See what workers compensation insurance costs →Go deeper on workers compensation
- Workers' comp class codes & loss costs — hub
- Workers compensation loss ratios & profitability by state (NAIC)
- Deep data study: Workers compensation by state
- What workers compensation insurance costs
- All Missouri rate filings (all lines)
- Rate filings by state — directory
- National Rate Change Tracker
- How insurance rates are set — methodology
Figures summarized here are drawn from public Missouri Department of Insurance rate filings and, where shown, the NAIC Report on Profitability by Line by State — each traceable to its source. No proprietary rating-manual content is reproduced. See our full sourcing policy.