Missouri Painting Workers Comp Rates (2026)
The published Missouri loss cost for painting workers comp, class 5474 (Painting or Paperhanging NOC and Drivers), is $3.676 per $100 of payroll (effective January 1, 2026). Carriers multiply it by their own filed multiplier, so a typical premium is about $5.51.
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 painting
- 5474: Painting NOC & Shop Operations, Drivers
- 5037 (Painting: Metal Structures - Over Two Stories in Height & Drivers)
- 5491 (Paperhanging & Drivers)
Painting carries ladder fall risk, solvent exposure and lead paint hazards in buildings built before 1978.
What comp costs per painter in Missouri
The Bureau of Labor Statistics counts 3,980 painters on payrolls in Missouri (May 2025), the 18th largest workforce among the 50 states and DC. The median wage is $27.65 an hour, 16% above the US median of $23.75.
Painters make up about the same share of Missouri jobs as they do nationally (location quotient 0.94).
At a typical Missouri premium of about $5.51 per $100 of payroll (the published loss cost of $3.68 for class 5474 times a 1.5 carrier multiplier), comp on one worker at that wage costs about $1.52 for every hour worked, or $3,169 a year full time. A 3-person crew comes to roughly $9,507 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Missouri pay runs from $18.82 an hour at the 10th percentile to $38.27 at the 90th, so the same rate costs $1.04 an hour on a new hire and $2.11 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 $4.45 per $100 of payroll
Missouri has the highest painting 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 painting comp bill
- Painting rates are set by height and surface: interior repaint work and exterior or industrial painting can fall into different classes in many states. Describe your mix accurately at quote time.
- Ladder and scaffold falls are the costly claims. Scaffold training and inspection logs help when you ask a carrier for safety credits.
- Painting crews lean on 1099 labor. Without a certificate of insurance on file, the auditor will add those payments to your payroll.
- Seasonal exterior work makes payroll hard to forecast. Estimate the year, not your busiest month, so the deposit and the audit stay close.