Missouri Restaurant businesses pay $114–$475/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Kansas City | $131–$546/mo | Compare → |
| St. Louis | $137–$570/mo | Compare → |
| Springfield | $114–$475/mo | Compare → |
| Columbia | $120–$499/mo | Compare → |
| Independence | $120–$499/mo | Compare → |
| Lee's Summit | $125–$523/mo | Compare → |
| O'Fallon | $120–$499/mo | Compare → |
| St. Charles | $120–$499/mo | Compare → |
| St. Joseph | $108–$451/mo | Compare → |
| Joplin | $105–$437/mo | Compare → |
| Jackson County | $131–$546/mo | Compare → |
| St. Louis County | $137–$570/mo | Compare → |
| St. Charles County | $120–$499/mo | Compare → |
| Greene County | $114–$475/mo | Compare → |
| Clay County | $125–$523/mo | Compare → |
| Jefferson County | $114–$475/mo | Compare → |
| Boone County | $120–$499/mo | Compare → |
| Cass County | $120–$499/mo | Compare → |
| Platte County | $125–$523/mo | Compare → |
| Christian County | $112–$466/mo | Compare → |
Restaurant businesses in Missouri typically pay $114–$475/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Missouri requires workers' compensation for most employers with at least one employee. Restaurant businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For Restaurant businesses, key covered scenarios include: Foodborne illness outbreak; Customer slip and fall; Employee burn or cut injury.
Top exposures: (1) Foodborne illness outbreak, (2) Customer slip and fall, (3) Employee burn or cut injury, (4) Liquor liability (if applicable).
Top carriers in Missouri for Food & Beverage businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most Restaurant policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Missouri cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.