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  2. Mississippi General Liability Insurance

Mississippi General Liability Insurance Policy Information

MS General Liability Insurance

Mississippi General Liability Insurance. MS general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Mississippi general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in MS.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Mississippi general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your MS business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Mississippi general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With MS general liability insurance, such issues are adequately handled.
  • General liability insurance for contractors, cheapest general liability insurance small business, cheap general liability insurance for contractors, commercial general liability insurance definition, general liability insurance cost for contractors, Mississippi business insurance requirements, comprehensive general liability insurance and short term general liability insurance.

MS General Liability Insurance Cost

The cost of your Mississippi general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

MS Small Business Insurance By Industry And/Or Type

Select the Mississippi general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:


Advertising, Marketing and Media

Learn about Mississippi media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Agribusiness

Learn about MS agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Arts and Recreation

Read up on Mississippi arts and recreation commercial insurance.


Auto Sales, Service and Repair

Read about Mississippi auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Aviation

Learn about MS aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Children and Pets

Discover what Mississippi commercial insurance policies cover for children and pet related businesses.


Commercial Property

Read up on Mississippi commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Construction Contractors

Learn about Mississippi construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your MS construction business from lawsuits.


Contractors and Home Improvement

Learn about Mississippi contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your MS business from lawsuits.


Education, Colleges, Universities & Schools

Learn about Mississippi commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other Mississippi financial institutions need to protect their asset management, deposit, lending, investment and other operations.


Food and Drink

Learn about Mississippi restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Health and Beauty

Learn about Mississippi health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about Mississippi IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Lodging Places

Find out what types of business insurance that Mississippi hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in Mississippi need.

Manufacturing

Learn all about Mississippi manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.


Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in Mississippi need.

Medical and Dental

Discover Mississippi business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Miscellaneous

Find informative articles on miscellaneous MS businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for Mississippi non-profit 501(c)(3) organizations, charities and associations.


Professional Services

Get informed about Mississippi professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Real Estate

Learn about Mississippi real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable Mississippi retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Small Business Commercial Auto

Learn about Mississippi commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Small Business

Protect your company and employees with MS commercial insurance. Read informative articles on Mississippi small business insurance coverages - and how they can help shield your company from legal liabilities.


Sports and Fitness

Learn about Mississippi sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Warehouse and Storage

Learn about Mississippi warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Wholesale and Distribution

Read informative articles on Mississippi wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Mississippi Specific Commercial Insurance Articles

Read informative articles on MS commercial insurance including costs and coverages.




Mississippi Economic Data, Regulations And Limits On Commercial Insurance

Made In Mississippi

Whether you're a current business owner who is looking to expand your operation or you are an entrepreneur who is planning on launching your first startup, the location you choose for your company is critical.

It stands to reason that you want to be as successful as possible, and in order to achieve that goal, the location must offer a favorable economy and the right market for your specific business.

By assessing the unemployment rate of a state, you can gain insight into the success of established businesses within that state. Also, it's important to know what industries are seeing the most growth in the state to determine if your business will do well there. Lastly, as a proprietor, it's important to know what type of commercial insurance you'll need to invest in to properly protect your business.

If you are considering Mississippi for your business, keep on reading for an overview of the economic trends and commercial insurance regulations in the Magnolia State.

Economic Trends For Business Owners In Mississippi

The unemployment rate of the state of Mississippi is higher than the national average. In December of 2019, the Bureau of Labor Statistics reported that the unemployment rate was 5.7%, which was 2.2% higher than the United States, as a whole.

Additionally, the rate increased over a five month period; in July, 2019, the unemployment rate was 5.1%, making the 5.7% in December a .6% jump in just five months. However, it is believed that the economy is growing and that the rate will become lower in the near future.

The key areas for businesses in Mississippi include major cities and their surrounding areas. These locations offer larger markets, a larger workforce, and easier access to transportation, making logistics easier to handle. The best locations for businesses in include:

  • Biloxi
  • Clinton
  • Gulfport
  • Hattiesburg
  • Jackson
  • Meridian
  • Olive Branch
  • Southaven
  • Tupelo

The industries that are seeing the most growth in Mississippi include:

  • Agriculture
  • Casino gaming
  • Education
  • Financial services
  • Fishing
  • Government
  • Health care
  • Hospitality
  • Manufacturing
  • Mining
  • Wholesalers

Therefore, if you are considering launching a business in any of these industries, Mississippi is likely a good location for your company.

Commercial Insurance Requirements In Mississippi

The Mississippi Insurance Department regulates insurance in MS. Mississippi mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Mississippi requires you to have worker's compensation insurance if you hire 5 more employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Mississippi also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Request a free Mississippi General Liability Insurance quote in Aberdeen, Amory, Baldwyn, Batesville, Bay St. Louis, Beechwood, Biloxi, Booneville, Brandon, Brookhaven, Byram, Canton, Carthage, Clarksdale, Cleveland, Clinton, Columbia, Columbus, Corinth, Crystal Springs, D'Iberville, Diamondhead, Ellisville, Escatawpa, Florence, Flowood, Forest, Fulton, Gautier, Greenville, Greenwood, Grenada, Gulf Hills, Gulf Park Estates, Gulfport, Guntown, Hattiesburg, Hazlehurst, Hernando, Holly Springs, Horn Lake, Houston, Indianola, Iuka, Jackson, Kosciusko, Latimer, Laurel, Leland, Long Beach, Louisville, Lucedale, Lyman, Madison, Magee, McComb, Meridian, Mississippi State, Morton, Moss Point, Natchez, New Albany, New Hope, Newton, Nicholson, Ocean Springs, Olive Branch, Oxford, Pascagoula, Pass Christian, Pearl, Pearl River, Petal, Philadelphia, Picayune, Pontotoc, Poplarville, Richland, Ridgeland, Ripley, Saltillo, Senatobia, Southaven, St. Martin, Starkville, Tupelo, Tutwiler, University, Vancleave, Verona, Vicksburg, Water Valley, Waveland, Waynesboro, West Hattiesburg, West Point, Wiggins, Winona, Yazoo City and all other MS cities & Mississippi counties near me in The Magnolia State.

Also find MS local small businesses by General Liability Class Code and learn about Mississippi small business insurance requirements for general liability, business property, commercial auto & workers compensation including MS business insurance costs. Call us (601) 286-8268.

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Disclaimer
Disclaimer
The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice.

General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue.
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