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MS — Licensed & ActiveUpdated Mar 2026

Commercial Insurance in Mississippi.

Protecting your business from the Delta to the Gulf Coast.

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From the bustling ports of Gulfport to the manufacturing hubs in Jackson, Mississippi's diverse economy requires specialized insurance protection. Whether you're in agriculture, aerospace, or healthcare, RISKX provides tailored commercial insurance solutions to navigate the state's unique regulatory landscape and protect your business.

Key Industries in Mississippi

Advanced ManufacturingAerospace & DefenseAgriculture & Food ProcessingAutomotiveHealthcareTransportation & Logistics

Workers' Compensation in Mississippi: Required

Mississippi requires workers' compensation for employers with five or more regularly employed staff. The state operates in a competitive market, allowing businesses to purchase coverage from private insurance carriers. Exemptions apply to domestic and farm laborers.

Mississippi Regulatory Notes

Workers' compensation is mandatory for employers with 5 or more employees.

Mississippi is a competitive state for workers' comp, allowing for private insurance carriers.

Commercial auto liability minimums are $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage.

Businesses on the Gulf Coast, like in Biloxi and Gulfport, should consider separate flood and windstorm policies due to hurricane risk.

Workers' Comp Rate Details — Mississippi

Index Rate
$0.94
per $100 payroll
National Rank
#34
of 51 jurisdictions
vs. Median
14%
below national median
Required At
5+ employees
Average Cost State
  • •Required for employers with 5 or more employees
  • •Higher threshold than most states
  • •Agricultural and domestic workers are exempt

Penalty for non-compliance: Misdemeanor; fines up to $1,000 per day

Rate data: Oregon DCBS 2024 Premium Rate Ranking Study. Index rates represent the median rate per $100 of payroll across all classification codes.

Auto Insurance Minimums — Mississippi

Min. BI Liability
25/50
per person/accident ($K)
Min. Property Damage
$25,000
PIP Required
No
No-Fault State
No
  • •Standard tort liability state

Regulatory Overview — Mississippi

Key Facts

  • •WC rates are 14% below the national median
  • •Higher WC employee threshold (5+) than most states
  • •Standard auto requirements with no PIP or UM mandates
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Mississippi Insurance FAQ

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