Mississippi Workers’ Compensation

You can save up to 25% in discounts on business insurance.*

What can be covered by Mississippi Workers’ Compensation insurance?

Medical expenses

Medical expenses

Like exams, treatment and rehabilitation.
Lost wages

Lost wages

For employee recovery after a work injury.
Retraining

Retraining

To teach injured employees new skills if they can no longer do their jobs.
Permanent injury

Permanent injury

Benefits for employees who can no longer work due to injury.

Is Mississippi Workers’ Compensation insurance required?

The Mississippi Workers’ Compensation Commission states that all employers with five or more employees must have workers’ compensation insurance. If you’re an employer with less than five employees, workers’ comp is not mandatory, but you may choose to provide it.

Workers’ compensation insurance can help you avoid unexpected, out-of-pocket expenses for an employee’s workplace injury. Even if it’s not required by law, this insurance can help protect your business finances in the long run.

If an employee is injured on the job, a Mississippi workers’ compensation policy can help cover the following expenses:

How does Workers’ Comp work in Mississippi?

Many benefits are covered by workers’ compensation. Mississippi employees who are injured or become ill on the job may receive help paying for:

  • Medical services and supplies
  • Hospital and nursing services
  • Prescription medications
  • Physical therapy and rehabilitation services
  • Mileage for out-of-town medical appointments
  • Lost wages
  • Permanent injury
  • Survivor benefits

With Mississippi workman’s comp, employees can receive income benefits if their injury causes a loss of wages temporarily or permanently. Workers’ compensation income benefits in Mississippi include:

Temporary total disability. The injury results in the employee being completely unable to work, but the disability is not expected to be permanent.

Temporary partial disability. The employee can return to work with temporary restrictions, but will be unable to earn the same wages as they did prior to the injury.

Permanent partial disability. After they have reached maximum medical improvement from their injury, the employee is left with a permanent partial disability.

Permanent total disability. The employee sustains an injury that results in a permanent disability that involves the total amputation or loss of use of certain body parts and/or makes them unable to return to any type of reasonable employment for which they have education, training or experience.

In the event of an employee death on the job, workers’ comp death benefits can make payments to surviving spouse and dependents. Reasonable funeral expenses up to $5,000 are also covered.

Employers subject to the Mississippi workers’ compensation insurance requirement must post a Notice of Coverage poster in the workplace. This poster must include:

  • The insurance carrier name and contact information.
  • The dates that the insurance policy is in effect.
  • Where to submit workers’ comp claims.
  • Who to report injuries to within the company.

Employers are also required to make a report of any injury involving a covered employee and notify their insurance company and/or the Mississippi Workers’ Compensation Commission.

If an employee is injured outside Mississippi, coverage will generally apply — as long as they were hired or regularly employed in Mississippi and their work outside the state is temporary (less than six months).

If a non-resident of Mississippi is injured in the state while on a temporary job assignment, workers’ comp coverage will apply only if the situation meets all three of the following requirements:

  • The employer has provided coverage for the employee under the laws of another state.
  • The other state recognizes Mississippi’s extraterritorial provisions.
  • The workers’ compensation law for the other state exempts Mississippi claimants and employers from its application.

Learn more about workers’ compensation coverage.

How much is Mississippi Workers’ Comp?

Workers’ compensation costs vary across industries. Factors that influence price include:

  • The number of employees and the type of work they do
  • Your total payroll
  • Your insurance claims history
  • The locations where you do business

The best way to determine the insurance rate for your business is to get a free instant quote from NEXT.

What if you don’t have Workers’ Compensation in Mississippi?

Employers required by state law to obtain workers’ compensation insurance but fail to do so may face statutory criminal and civil penalties. If an employee is injured while the employer is uninsured, that employee may file a suit against their employer.

Failure to file a report of an injury in a timely manner may result in a $100 fine. A 10% penalty may be imposed if compensation benefits are not paid on time.

Who is exempt from Mississippi Workers’ Compensation insurance?

Exempt employees include:

  • Domestic and farm laborers.
  • Employees of non-profit fraternal, charitable, religious or cultural organizations.

Independent contractors are typically exempt. However, there are some exceptions for employees of subcontractors.

Federal employees and some transportation and maritime employees are covered by federal compensation laws.

If an employer with five or more employees wishes to be exempt from Mississippi workers’ comp coverage requirements, they may apply to become self-insured.

The employer’s application must demonstrate their financial ability to pay all compensation required by MS workers’ compensation law.

The law states that two or more employers may pool their liabilities to form a self-insured group as long as their self-insurance applications are all approved by the Mississippi Workers’ Compensation Co6mmission and they are members of the same association or trade group.

How NEXT helps Mississippi small business owners

NEXT offers an easy way to get a free workers’ compensation insurance quote, purchase coverage and instantly share a certificate of insurance in about 10 minutes.

NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.

Start a free instant quote with NEXT.

Other important business insurance policies in Mississippi

Workers’ compensation insurance provides many important protections, but you’ll need additional coverage to protect from all the risks your small business can face.
Many Mississippi small businesses also consider:
General Liability
General Liability insurance

General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.

Commercial Auto
Commercial Auto insurance

In Mississippi, all business-owned vehicles must be covered by commercial auto insurance. If you drive or use your personal vehicle for work, commercial auto insurance helps protect your business from accidents.

Commercial Property
Commercial Property insurance

Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.

Errors & Omissions
Professional Liability insurance

Professional liability insurance, also called errors & omissions insurance, provides financial protection against claims of professional mistakes and negligence.

More resources for small business owners

NEXT Insurance reviews

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

2/14/2023

Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

Taylor M.

2/13/2023

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

2/12/2023

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

2/18/2023

Great!

Hassle free and great to work with. Affordable.

Anthony G.

2/17/2023

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

2/19/2023

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

2/21/2023

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

2/21/2023

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

2/9/2023

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

2/6/2023

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
What we cover
Chat with Us

Mon – Fri | 8 a.m. – 5 p.m. CT

FacebookInstagramTiktokTwitterLinkedinYoutube
© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
Better Business Bureau
Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.