What to Do If Your Employer Doesn’t Have Workers’ Compensation Insurance in Missouri

Finder Law Serves Clients Across Jefferson City, Columbia, and Central Missouri

Kara McNabb • September 9, 2025

Workplace injuries can happen when you least expect them—whether it’s a fall, a machinery accident, or a repetitive stress injury. In Missouri, most employers are required by law to carry workers’ compensation insurance to protect employees in case of a job-related injury. But what happens if your employer doesn’t have workers’ comp insurance and you get hurt on the job?


At Finder Law, LLC, we often hear from injured workers in this exact situation. Here’s what you need to know if your employer is uninsured.

Missouri Law on Workers’ Compensation Insurance

Under Missouri law, any employer with five or more employees (or just one employee in the construction industry) must carry workers’ compensation insurance. Failing to do so is not only unfair to workers—it’s also illegal. Employers who don’t carry required coverage can face serious penalties.


But more importantly for you, being injured at work without workers’ comp coverage doesn’t mean you’re without options.

Your Rights If Your Employer Is Uninsured

1. File a Claim with the Missouri Division of Workers’ Compensation

Missouri has a special fund called the Missouri Second Injury Fund that may provide benefits if your employer illegally failed to carry insurance. This fund can help cover medical expenses and some wage loss, but it does not replace all the protections of standard workers’ compensation.

2. Pursue a Lawsuit Against Your Employer

Normally, workers’ comp laws prevent employees from suing their employer directly. However, if your employer doesn’t have required insurance, you may have the right to file a civil lawsuit for your damages. This could include compensation for:

  • Medical bills
  • Lost wages
  • Future earning potential
  • Pain and suffering

3. Report Your Employer

Employers who fail to carry workers’ compensation insurance can be reported to the Missouri Division of Workers’ Compensation. Not only does this help protect your rights, but it can also protect your coworkers from facing the same problem in the future.

Why You Need a Workers’ Compensation Attorney

Cases involving uninsured employers are complicated. You may have multiple avenues for recovery, and deadlines apply to both claims and lawsuits. An experienced Missouri workers’ compensation lawyer can:


  • Investigate your employer’s insurance status
  • File claims on your behalf
  • Explore civil lawsuit options
  • Protect your rights against retaliation


At Finder Law, LLC, we fight for injured workers across Missouri, especially when employers fail to follow the law.

Take Action Today

If you’ve been injured at work and your employer doesn’t have workers’ compensation insurance, don’t wait. You still have legal options to recover the compensation you need for your recovery and financial stability. Daniel Finder at Finder Law, LLC has over a decade of experience working on worker’s compensation cases and a proven track record of success.



Call today to set up consultation so we can review your case and get to work protecting your rights.

This blog is for informational purposes only and does not constitute legal advice. For specific guidance, please contact our office directly.

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