Missouri Flooring Workers Comp Rates (2026)
The published Missouri loss cost for flooring workers comp, class 5478 (Carpet, Linoleum, Vinyl or Resilient Floor Installation), is $2.711 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $4.07.
A loss cost covers expected claims only. Each carrier files its own multiplier for expenses; in the states that publish the full list, the median is about 1.5, which is what the typical premium here uses. Your quote can be lower or higher. Source.
Missouri class code for flooring
- 5478: Floor Covering Installation - Resilient Flooring, Carpet and Laminate Flooring
- 5437 (Carpentry - Installation of Cabinet Work or Interior Trim, includes wood floor installation and sanding)
- 5348 (Tile, Stone, Mosaic or Terrazzo Work - Inside)
Flooring carries knee injury, back strain, silica dust from cutting tile or concrete, and adhesive vapor risks.
What comp costs per flooring installer in Missouri
The Bureau of Labor Statistics counts 590 floor layers, except carpet, wood, and hard tiles on payrolls in Missouri (May 2025), the 14th largest workforce of the 44 states with published figures. The median wage is $26.30 an hour, 3% below the US median of $27.15.
This trade is a bigger part of the Missouri job market than it is nationally: floor layers, except carpet, wood, and hard tiles hold 1.3 times their national share of jobs there.
At a typical Missouri premium of about $4.07 per $100 of payroll (the published loss cost of $2.71 for class 5478 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $1.07 for every hour worked, or $2,226 a year full time. A 2-person crew comes to roughly $4,453 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Missouri pay runs from $16.03 an hour at the 10th percentile to $41.89 at the 90th, so the same rate costs $0.65 an hour on a new hire and $1.70 on a senior hand.
Workers comp requirements in Missouri
- Coverage required: 5+ employees; 1 for construction
- Owners and sole proprietors: Sole proprietors and partners are treated as employers, not employees, and don't count toward the threshold
- State fund: Private market (no state fund)
- Waiting period: 3 days; retroactive if disability lasts more than 14 days
- Penalty for going without: Knowing failure is a Class A misdemeanor; liability up to three times the premium or $50,000
Missouri's construction rule (one employee) is far stricter than its general five-employee threshold.
Missouri vs neighboring states
- Iowa: about $2.58 per $100 of payroll
Missouri has the highest flooring comp rate in its region; every neighboring state charges less per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a flooring comp bill
- Floor installers file knee, back, and repetitive-strain claims more than falls. Kneepads and lifting aids are cheap ways to keep the experience mod down.
- Tile, hardwood, and carpet installation can be separate classes in some states. If your crews do several, record payroll by type of work.
- Many flooring shops pay installers by the square foot as 1099 subs. If they cannot show their own coverage, the auditor counts what you pay them as your payroll.
- Showroom and sales staff who do not install can usually be rated as sales or clerical when their duties are documented.