Transportation & Trucking workers compensation in Missouri
Missouri is an NCCI loss-cost state, so class-by-class Transportation & Trucking rates are available only via NCCI subscription, not in public filings. As a national reference, Transportation & Trucking workers comp runs a median of $2.23 per $100 of payroll, with a range of $0.090 to $66.62 across reporting states. Missouri caps weekly benefits at $1,281 with a 2-year statute of limitations. Verified 2026-05-09.
Transportation & Trucking rate context for Missouri
Missouri does not publish class-by-class loss costs publicly, but Transportation & Trucking rates from comparable reporting states give you a useful planning range. Use the national rate range below as a baseline; your actual quote depends on payroll size, loss history, and your specific NCCI class code.
| Transportation & Trucking class code | Typical occupation | National median | National range |
|---|---|---|---|
| 7405 | Livery Service | $2.23 | $0.090 - $66.62 |
| 7016 | Local Trucking | $2.23 | $0.090 - $66.62 |
| 7024 | Long Haul Trucking | $2.23 | $0.090 - $66.62 |
| 7038 | Mail/Package Delivery | $2.23 | $0.090 - $66.62 |
| 7046 | Interurban Bus Company | $2.23 | $0.090 - $66.62 |
| 7047 | City Bus Company | $2.23 | $0.090 - $66.62 |
| 7050 | Stevedoring - N.O.C. | $2.23 | $0.090 - $66.62 |
| 7090 | Freight Handling - N.O.C. | $2.23 | $0.090 - $66.62 |
| 7098 | Freight Handling - Manual | $2.23 | $0.090 - $66.62 |
| 7099 | Freight Handling - Mechanical | $2.23 | $0.090 - $66.62 |
Missouri compliance for Transportation & Trucking employers
Coverage threshold
Mandatory for employers with five or more employees, or one or more employees in the construction industry.
1099 vs W-2 in Transportation & Trucking
Individuals classified as independent contractors (1099) under common law tests are generally not considered employees for workers' compensation purposes.
Owner exclusion
Allowed in Missouri. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,281 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
2 years from injury date in Missouri.
Audit window
Missouri carriers audit payroll within 90 days of policy expiration. Keep Transportation & Trucking payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Missouri workers comp overview · Transportation & Trucking cross-state rate comparison · Missouri workers comp lawyer guide · Missouri settlement chart
Estimate your Transportation & Trucking premium in Missouri
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Filing checklist for Transportation & Trucking businesses in Missouri
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Step 1, Confirm coverage threshold
Mandatory for employers with five or more employees, or one or more employees in the construction industry. For Transportation & Trucking operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Transportation & Trucking businesses typically use codes like 7405, 7016, 7024. The wrong code can cost 4 to 10x more or get reclassified at audit. Across reporting states, Transportation & Trucking median rates run $2.23 per $100 with a range of $0.090 to $66.62.
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Step 3, Get a quote
Second Injury Fund is one option in Missouri; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are typically liable for injuries to employees of uninsured subcontractors if the subcontractor is performing work that is part of the general contractor's usual business. Transportation & Trucking operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Transportation & Trucking class allocation can shift if any worker spends more than 50% of time on a different code.
Transportation & Trucking workers comp FAQs in Missouri
Why aren't Transportation & Trucking workers comp rates published for Missouri?
Missouri uses NCCI for workers comp ratemaking. NCCI loss-cost data for this state is published only to NCCI subscribers, not in public state insurance department filings. For a national reference, Transportation & Trucking median rates run $2.23 per $100 of payroll across all reporting states, with a typical range of $0.090 to $66.62.
How can a Transportation & Trucking business in Missouri get a real quote?
Get a quote from any private carrier licensed in Missouri or the state fund (Second Injury Fund). Provide your annual payroll, ownership structure, and your current Transportation & Trucking class code. Most carriers will return a binding quote within 24-48 hours. Schedule credits up to 25% are typical for low-loss accounts.
Are Transportation & Trucking 1099 contractors covered by workers comp in Missouri?
Individuals classified as independent contractors (1099) under common law tests are generally not considered employees for workers' compensation purposes.
What is the maximum weekly benefit for an injured Transportation & Trucking worker in Missouri?
Missouri caps weekly workers comp benefits at $1,281 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Transportation & Trucking workers are subject to the same statutory cap as workers in any other industry.
How long does a Transportation & Trucking worker have to file a comp claim in Missouri?
The statute of limitations in Missouri is 2 years from the date of injury. Most claims also require notice to the employer within 30 days. Transportation & Trucking workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Transportation & Trucking business owner exclude themselves from comp coverage in Missouri?
Yes, Missouri allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Transportation & Trucking owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.