Business Insurance in Mississippi

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Learn about Mississippi's insurance requirements

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What are the requirements for small business insurance in Mississippi?

State laws can affect which insurance policies you need for your small business. These policies are required for Mississippi businesses.
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Workers' compensation insurance

In Mississippi, all businesses that regularly employ five or more workers are required to purchase worker’s compensation insurance. State law does not require businesses to carry workers' comp for independent contractors.

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Commercial auto insurance

All business-owned vehicles in Mississippi must be covered by commercial auto insurance. Mississippi requires a minimum of $25,000 property damage liability per accident and $25,000 personal injury protection.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Mississippi

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Mississippi business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Mississippi business insurance

In Mississippi, insurance agents, agencies, and brokers are licensed by the Mississippi Insurance Department. Insureon is licensed in Mississippi as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 15015895). Verify our licensure with the Mississippi Insurance Department Licensing Search.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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