Mississippi Workers' Compensation Insurance

Protect your business and employees with Mississippi workers' comp

Mississippi workers' compensation insurance provides a safety net for employees, giving financial and medical aid to workers with job-related injuries or illnesses. From Jackson to the Gulf Coast, this coverage protects your team and helps you meet state requirements.

Start an online quote or call a Progressive Commercial expert to explore your options for workers' comp in Mississippi.

Who needs workers' compensation insurance in Mississippi?

Mississippi workers' comp laws require employers with five or more employees to carry insurance. Whether your business is big or small, it's a good idea to verify if you need coverage.

You can review the Mississippi workers' compensation requirements for more details.

Mississippi workers' compensation insurance exemptions

Not all businesses require coverage. Mississippi workers' comp exemptions include:

• Domestic and farm workers
• Federal employees
• Nonprofit workers
• Independent contractors
• Employees of subcontractors

Even if you're exempt, having workers' compensation coverage in Mississippi protects your employees and prevents legal complications. It might also be needed for certain licenses and contracts.

What are the penalties for not having workers' comp in Mississippi?

In Mississippi, employers without workers' compensation insurance risk fines up to $1,000 and jail time. They may also be required to pay benefits directly to injured workers.

Get the coverage you need and avoid penalties for not having workers comp' in Mississippi.

How much does workers' comp cost in Mississippi?

Mississippi workers' compensation rates depend on specific features of your business. Insurers consider the following factors when determining costs:

• Job classification code: Mississippi uses workers' comp class codes to categorize jobs by their risk level.
• Payroll: The cost of coverage is based on every $100 of payroll, so larger companies usually face higher premiums.
• Claims history: A higher number of claims can increase your insurance rates.
• Insurance carrier: Each carrier uses its own method to set workers' comp insurance prices.

How can you get workers' comp in Mississippi?

Consider these options for getting Mississippi workers' compensation insurance:

• Private insurers: Many businesses prefer private insurers for workers' comp because they offer flexible plans and may provide extra benefits.
• Self-insurance: By self-insuring, companies might reduce costs by paying claims themselves and handling financial risks directly.
• Assigned risk pool: Employers that have a hard time getting workers' compensation through private insurers or self-insurance can apply for coverage through the National Council on Compensation Insurance.

Talk to a Progressive Commercial specialist or start a quote to review coverage possibilities.

How does workers' comp work in Mississippi?

The Mississippi workers' comp commission oversees workers' compensation laws, ensuring that employees receive appropriate benefits.

There are certain guidelines that employees and employers must follow. Your team should report accidents right away so a claim can be filed with your insurer. If approved, the employee will receive coverage for things like:

• Medical expenses
• Lost wages
• Disability benefits
• Rehabilitation costs

Employees who accept a Mississippi workers' compensation settlement usually can't sue, and if they do, insurance helps cover legal costs. Get workers' comp to lower the risk of lawsuits.

Mississippi workers' compensation death benefits

Mississippi workers' compensation death benefits support the families of deceased employees. Dependents can get:

• A lump-sum payment of up to $5,000 for funeral expenses
• A one-time payment of $1,000 for surviving spouses
• Weekly payments determined by the employee's wage

Mississippi workers' compensation statute of limitations

Under Mississippi's statute of limitations, employees have two years from the injury date to file a claim. Remind your team to report incidents promptly to meet deadlines and secure benefits.

Why choose Progressive Commercial for Mississippi workers' comp insurance

With over 50 years of experience, we've helped employers protect their business and find the right insurance. We put our customers first and offer tailored solutions to support your growth and success.

Call us to talk to a Progressive Commercial agent or start an online quote today.