Modifies provisions relating to workers' compensation

HB 3032 strengthens fraud prevention in Missouri's workers' compensation system by adding criminal penalties for false claims and insurance violations. It makes it a felony to submit multiple claims for the same injury, present false information to obtain benefits, or intentionally refuse valid claims, with fines paid back to the workers' compensation fund. Employers with five or more employees (or construction employers with five or more) must carry insurance, and failure to do so results in escalating penalties. The bill also creates a dedicated fraud unit within the workers' compensation division to investigate violations and enforce these new provisions.