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Mississippi Business Insurance

Customized protection for your Mississippi business

As a Mississippi business owner, you should consider business insurance to protect your livelihood from a wide range of risks, including workplace injuries, customer slips and business property damage. A single incident can result in costly legal fees and recovery expenses that might be difficult to overcome on your own.

There are over 266,000 small businesses in Mississippi that account for 99.3% of all businesses in the state, according to the Small Business Administration. They collectively employ over 432,000 people and are required by Mississippi state law to protect them with workers’ compensation insurance.

Shop for a variety of business insurance products, including general liability, a business owners policy (BOP), workers’ compensation and more through the Progressive Advantage® Business Program. We’ll help you customize a quote that meets the needs of your Mississippi business.

Types of MS business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Mississippi should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

Commercial Auto

Commercial auto provides liability and physical damage coverage for your business vehicles. Most personal auto policies don’t cover vehicles used for business, which includes transporting supplies or traveling between job sites.

Workers' Compensation

Businesses in Mississippi are required to have workers' comp insurance if they have five or more employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

Professional Liability

Mississippi businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

How much does business insurance cost in Mississippi?

A variety of factors influence the cost of business insurance in Mississippi, including your profession, coverage needs, business size and location. For example, a business located inland in a larger city like Jackson can expect a different rate than one located near the coast in a smaller city like Biloxi.

The most influential of these factors is your profession. Businesses are typically rated on the exposures and risks common to their industry. High-risk businesses, such as certain manufacturers, tree removal services and general contractors, usually need specialized coverage that often costs more.

Learn more about the factors that affect your business insurance rate. You can also get a customized quote online to find out exactly what you’ll pay.

Mississippi business insurance requirements

The state of Mississippi requires businesses with five or more employees to carry workers’ compensation insurance. Small business owners have the option to purchase coverage through a private insurance company or get approval from the state to self-insure.

Businesses that have less than five people aren’t legally required to carry workers’ comp but may voluntarily provide coverage. Domestic workers, farm laborers, and employees of non-profit, religious or cultural organizations aren’t protected under the state’s law, unless their employer elects to carry coverage.

While other business coverages, such as general liability, professional liability and cyber insurance, aren’t required by Mississippi state law, many prospective clients require them before you may begin working with them.

Mississippi professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.

As the #1 commercial auto insurer in America*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.

There are several ways to get a quote, whether you need a single Mississippi policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.

Business insurance for all Mississippi cities

We can customize business insurance in all Mississippi cities, including, but not limited to:

More information

Start a Mississippi business insurance quote today

Get a quote Or, call 1-888-806-9598

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Bundle discount! Save on auto when you add property

Save an average of 12% on auto when you add to propertyΔ

Bundle discount! Save on auto when you add property

Save an average of 12% on auto when you add to propertyΔ

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* Disclosure No. 1 commercial auto insurer from SNL Financial's 2022 national written premium data.

Commercial auto policies are underwritten by Progressive Casualty Ins. Co. & affiliates.

Business Owners, General Liability, Professional Liability and Workers' Compensation policies are underwritten by insurers that are affiliated with Progressive and with unaffiliated insurers. Each insurer is solely responsible for claims. Progressive Advantage Agency, Inc. attempts to quote each applicant contacting us for a quote with at least one of these insurers. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these insurers.