Title XVIII, LABOR AND INDUSTRIAL RELATIONS

287.932. Act not applicable, when — unfair trade practices, when. — 1. Nothing in sections 287.930 to 287.975 prohibits or regulates the payment of dividends, savings or unabsorbed premium deposits allowed or returned by insurers to their policyholders, members or subscribers, bu…

287.935. Insurer and advisory organization not to make agreement restraining trade — insurer must use uniform experience rating plan — exceptions. — 1. No insurer or advisory organization shall make any arrangement with any other insurer, advisory organization or other person whi…

287.937. Director may conduct examinations — insurer and advisory organizations to maintain records, purpose — cost of examination — outstate examination may be accepted. — 1. The director may examine any insurer and the advisory organization as deemed necessary to ascertain comp…

287.940. Penalties for violations, director may impose — each day a separate violation, when — license may be suspended or revoked, when. — 1. The director may, upon a finding that any person or organization has violated any provision of sections 287.930 to 287.975, impose a pena…

287.942. Competitive market presumed to exist, when — reasonable degree of competition, factors. — 1. A competitive market is presumed to exist unless the director, after hearing, determines that a reasonable degree of competition does not exist in the market and the director iss…

287.945. Director to monitor degree of competition, purpose. — In determining whether or not a competitive market exists pursuant to section 287.942, the director shall monitor the degree of competition in this state. In doing so, the director shall use existing relevant informat…

287.947. Insurers to file rate information in competitive market with the director, purpose — noncompetitive market, information filed — form of filing — public inspection. — 1. In a competitive market, every insurer shall file with the director all rates and supplementary rate i…

287.950. Competitive market, rates not to be excessive, inadequate, unfairly discriminatory. — 1. Rates in a competitive market shall not be excessive, inadequate or unfairly discriminatory. Rates are excessive if it is likely to produce a long-run profit that is unreasonably hig…

287.952. Rate standards in noncompetitive market, factors. — In determining whether rates comply with the excessiveness standard in a noncompetitive market, the inadequacy standard and the unfair discrimination standard, the following criteria shall apply: (1) Due consideration m…

287.955. Insurers to adhere to uniform classification system, plan — director to designate advisory organization, purpose, duties — risk premium modification plan, requirements. — 1. Every workers' compensation insurer shall adhere to a uniform classification system and uniform e…

287.957. Experience rating plan, contents. — The experience rating plan shall contain reasonable eligibility standards, provide adequate incentives for loss prevention, and shall provide for sufficient premium differentials so as to encourage safety. The uniform experience rating…

287.960. Disapproval of rate, when, how — procedures, director's powers — effect. — 1. A rate may be disapproved at any time subsequent to the effective date. A rate subject to prefiling under section 287.947 may also be disapproved before the effective date. A rate for a residua…

287.962. Hearings, when, conduct of — findings made, when — right to judicial determination. — 1. Any hearing under this section shall be held at a place designated by the director and upon not less than thirty days' written notice to the insurer or the advisory organization. A f…

287.965. Aggrieved party may file application with director, hearing held, when — findings, effect of. — 1. Any person or organization aggrieved with respect to any filing which is in effect may make written application to the director for a hearing thereon, except that the insur…

287.967. Advisory organization must obtain license, restrictions — license, application — designation of by director, duration. — 1. The advisory organization shall not provide any service relating to the rates of any insurance subject to sections 287.930 to 287.975, and no insur…

287.970. Advisory organization not to file rates on behalf of insurer, exception. — In addition to other prohibitions contained in sections 287.930 to 287.975, except as specifically permitted under section 287.972, the advisory organization shall not: (1) Compile or distribute r…

287.972. Advisory organization's permitted activities — director may allow pure premium rate data to be distributed. — 1. The advisory organization, in addition to other activities not prohibited, may: (1) Develop statistical plans, including class definitions; (2) Collect statis…

287.975. Pure premium rate, schedule of rates, filed with director, when — payroll differential, advisory organization to collect data, when, purpose — construction group, submission to advisory organization. — 1. The advisory organization shall file with the director every pure …