Commercial general liability insurance is important for all Mississippi businesses. It covers common risks, including customer injuries. Most commercial leases require this liability coverage.
This policy, also called errors and omissions insurance (E&O), protects Mississippi businesses that provide professional services or advice. It covers lawsuits related to work performance.
This policy covers financial losses from data breaches and cyberattacks. It's recommended for Mississippi businesses that handle credit card numbers and other sensitive data.
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Mississippi business.
Workers’ comp insurance is required for Mississippi businesses that employ five or more workers. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in Mississippi. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Mississippi, from Jackson to Gulfport.
Mississippi state law requires all businesses that regularly employ five or more workers to purchase worker’s compensation insurance. State law does not require businesses to carry workers' comp for independent contractors.
This policy covers medical costs from work-related injuries and illnesses. It also provides disability benefits to injured Mississippi workers.
All business-owned vehicles in Mississippi must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Mississippi requires a minimum of:
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Insureon's licensed agents can help you find policies that fulfill Mississippi's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Mississippi, insurance agencies, agents, 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). You can verify our licensure with the Mississippi Insurance Department Licensing Search; select "entity" and then enter our license number.