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Get Commercial Insurance in Mississippi

biBERK is trusted by many companies for commercial insurance in Mississippi. Jackson, Gulfport, Hattiesburg, Biloxi, Tupelo, Greenville, Oxford… Wherever you are in the state, we offer flexible policies to protect you from the various types of risk Mississippi businesses face. 

Mississippi Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Mississippi to suit your business. So if, for example, your employee hurts their back while at work, their medical bills and other costs related to the injury can be covered.

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Mississippi General Liability Insurance

Also known as commercial liability insurance, a general liability policy is a crucial type of business insurance in Mississippi. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. So if, for instance, your employee knocks a TV over while working in a customer’s house, the cost to replace it can be covered. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Mississippi Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for non-employee injuries and customer property damage, for example) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business operational again after suffering property damage, such as the use of a temporary location. In addition to general liability coverage, a BOP includes coverage for things like fires, wind and hail damage, and theft. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Mississippi Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage. It can help protect you if, for example, you’re an accountant and you miscalculate a figure and the error harms your client’s business.

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Mississippi Cyber Insurance

This type of business insurance in Mississippi can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur. If, for instance, your business is hacked and customer credit card information is stolen. You may be covered for costs related to notifying your customers, providing credit monitoring services, etc.

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Mississippi Umbrella Insurance

When buying business insurance in Mississippi, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. Without it, you may be responsible for paying anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of Professionals and Businesses in Mississippi, Including:

  • Appraisers
  • Attorneys and legal services
  • Automotive repair shops
  • Barber shops and hair salons
  • Bookkeepers and auditors
  • Building management companies
  • Business consultants
  • Carpet and flooring installers
  • Computer repair services
  • Concrete construction companies
  • Cooling and heating contractors
  • Custodians
  • Dentist and doctor offices
  • Drain cleaning and plumbing services
  • Electrical appliance repair
  • Electrical contractors
  • Exterminators
  • Financial planners
  • Fruit and vegetable markets
  • Insurance companies
  • Iron and steel frame construction
  • Lawn care and gardening services
  • Marketing firms
  • Messenger services
  • Painters
  • Photography companies
  • Public relations agencies
  • Real estate agents and operators
  • Recreation and amusement companies
  • Restaurants
  • Retail, clothing, and other stores
  • Securities and commodities businesses
  • Skilled carpentry services
  • Tile, stone, and mosaic installers
  • Towing companies
  • Transportation and trucking companies
  • Wallpaper hanging companies
  • Welding and metal cutting companies

Why biBERK for Mississippi Insurance?

We’re the experts when it comes to Mississippi small business insurance.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than the policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

biBERK is Better for Business Insurance in Mississippi

Whether it’s our competitive Mississippi workers’ compensation rates or costs for other small business insurance in Mississippi, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

Commercial Insurance in Mississippi: What’s Required?

Mississippi Workers' Compensation

In Mississippi, all employers with five or more employees regularly employed are required to carry workers’ compensation insurance. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy but don’t have one.

Other Policy Considerations

Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Also, a BOP policy can cover wind and hail damage caused by hurricanes. Financially protecting your company is one of the smartest business decisions you can make for your Mississippi small business.

What Does Commercial Insurance in Mississippi Cost?

The cost of commercial insurance in Mississippi depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Mississippi companies with fewer claims typically pay lower premiums. If you’re looking for cost-effective insurance in Mississippi, you’ll discover when you get an instant quote from biBERK and other Mississippi insurance companies that we offer great rates on everything from general liability to commercial auto insurance in Mississippi.

Business Insurance in Mississippi in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for commercial insurance in Mississippi and save up to 20%.