Missouri has a tow-specific $500,000 per-incident requirement for towing companies, verified in the statute text. The statute sets no on-hook, garagekeepers, or cargo minimum and no GVWR variation.
Tow-specific $500,000 verified in statute text. § 304.154 sets no on-hook, garagekeepers, or cargo minimum and no GVWR variation. MoDOT general intrastate property-carrier schedule ($100,000/$300,000/$50,000) is separate and not tow-specific. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Missouri →Independent-contractor test: No statutory multi-factor IC test in the WC Act. RSMo § 287.020 defines "employee" broadly ("every person in service of employer under any contract of hire") with enumerated exclusions, but contains no IC factors. Status is decided under case-law right-to-control analysis. Do NOT use RSMo § 285.517 as the WC test (see Notes).
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.