NEXT is the best general liability insurance provider in Mississippi, delivering an excellent balance of affordable rates and quality service. The Hartford and Nationwide also rank highly, offering solid coverage options.
General Liability Insurance in Mississippi
NEXT ranks first for general liability insurance in Mississippi, scoring 4.57 out of 5.
Explore low-cost general liability insurance in Mississippi below.
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Updated: September 16, 2025
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Key Takeaways
NEXT, The Hartford and Nationwide stand as the leading general liability insurance providers in Mississippi, offering comprehensive coverage options for local businesses.
Your business type, size, desired coverage limits and available budget play crucial roles in selecting the right general liability provider in Mississippi.
Getting multiple quotes, researching provider stability and checking customer feedback helps ensure you find reliable general liability coverage that fits your business needs.
Best General Liability Insurance Companies in Mississippi
| NEXT | 4.57 | $104 |
| The Hartford | 4.56 | $82 |
| Nationwide | 4.53 | $97 |
| Simply Business | 4.49 | $96 |
| Coverdash | 4.38 | $104 |
| Thimble | 4.35 | $108 |
| biBerk | 4.30 | $115 |
| Progressive Commercial | 4.28 | $101 |
| Chubb | 4.27 | $119 |
| Hiscox | 4.19 | $115 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
Comprehensive business protection in Mississippi extends beyond general liability coverage alone. These additional resources can help you build complete coverage:
Best Mississippi Small Business Insurance Reviews
We analyzed Mississippi's leading general liability insurance providers to show small business owners which companies offer the best coverage, rates, and service for local entrepreneurs.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$104Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$82Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
Cheapest General Liability Insurance Companies in Mississippi
The Hartford offers the cheapest general liability insurance in Mississippi, with coverage starting at $82 per month ($986 annually). Simply Business and Nationwide also provide affordable rates.
| The Hartford | $82 | $986 |
| Simply Business | $96 | $1,154 |
| Nationwide | $97 | $1,170 |
| Progressive Commercial | $101 | $1,207 |
| NEXT | $104 | $1,242 |
| Coverdash | $104 | $1,247 |
| Thimble | $108 | $1,292 |
| Hiscox | $115 | $1,375 |
| biBerk | $115 | $1,376 |
| Chubb | $119 | $1,433 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
Average Cost of General Liability Insurance in Mississippi
General liability insurance in Mississippi costs an average of $104 monthly or $1,240 annually, matching the national average. Your premium depends on industry risk, company size and claims history.
Average Cost of General Liability Insurance by Industry
General liability costs vary by industry. Pressure washing businesses face the highest monthly premiums at $924, while drone companies pay the lowest at just $17 per month. The table below shows how premiums differ across various business types throughout the state.
| Accountants | $22 | $267 |
| Ad Agency | $36 | $428 |
| Automotive | $54 | $646 |
| Auto Repair | $153 | $1,841 |
| Bakery | $91 | $1,094 |
| Barber | $45 | $537 |
| Beauty Salon | $67 | $809 |
| Bounce House | $71 | $851 |
| Candle | $55 | $665 |
| Cannabis | $68 | $812 |
| Catering | $88 | $1,062 |
| Cleaning | $134 | $1,605 |
| Coffee Shop | $91 | $1,087 |
| Computer Programming | $29 | $352 |
| Computer Repair | $48 | $577 |
| Construction | $177 | $2,124 |
| Consulting | $22 | $266 |
| Contractor | $257 | $3,088 |
| Courier | $197 | $2,367 |
| Daycare | $33 | $399 |
| Dental | $22 | $260 |
| DJ | $26 | $307 |
| Dog Grooming | $64 | $768 |
| Drone | $17 | $202 |
| Ecommerce | $74 | $887 |
| Electrical | $113 | $1,362 |
| Engineering | $40 | $483 |
| Excavation | $470 | $5,641 |
| Florist | $43 | $519 |
| Food | $109 | $1,304 |
| Food Truck | $143 | $1,717 |
| Funeral Home | $61 | $731 |
| Gardening | $113 | $1,361 |
| Handyman | $246 | $2,957 |
| Home-based | $24 | $288 |
| Home-based | $46 | $554 |
| Hospitality | $66 | $790 |
| HVAC | $248 | $2,972 |
| Janitorial | $138 | $1,661 |
| Jewelry | $41 | $488 |
| Junk Removal | $164 | $1,968 |
| Lawn/Landscaping | $121 | $1,456 |
| Lawyers | $23 | $276 |
| Manufacturing | $65 | $774 |
| Marine | $28 | $340 |
| Massage | $97 | $1,161 |
| Mortgage Broker | $23 | $277 |
| Moving | $125 | $1,503 |
| Nonprofit | $36 | $435 |
| Painting | $145 | $1,742 |
| Party Rental | $80 | $963 |
| Personal Training | $24 | $289 |
| Pest Control | $33 | $390 |
| Pet | $57 | $679 |
| Pharmacy | $62 | $748 |
| Photography | $24 | $292 |
| Physical Therapy | $111 | $1,335 |
| Plumbing | $365 | $4,380 |
| Pressure Washing | $924 | $11,090 |
| Real Estate | $54 | $644 |
| Restaurant | $146 | $1,757 |
| Retail | $66 | $792 |
| Roofing | $392 | $4,701 |
| Security | $140 | $1,685 |
| Snack Bars | $119 | $1,422 |
| Software | $27 | $319 |
| Spa/Wellness | $108 | $1,293 |
| Speech Therapist | $32 | $378 |
| Startup | $29 | $347 |
| Tech/IT | $27 | $320 |
| Transportation | $38 | $456 |
| Travel | $21 | $253 |
| Tree Service | $131 | $1,572 |
| Trucking | $104 | $1,243 |
| Tutoring | $31 | $366 |
| Veterinary | $45 | $543 |
| Wedding Planning | $28 | $336 |
| Welding | $166 | $1,998 |
| Wholesale | $45 | $541 |
| Window Cleaning | $161 | $1,929 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual premium depends on where your business is located, what industry you're in, how much coverage you choose, and other factors insurers consider. Available options differ by state.
How Much General Liability Insurance Do I Need in Mississippi?
Mississippi does not require most businesses to carry general liability insurance at the state level. Cities and counties can have their own rules. Certain licensed trades must keep specific coverage to keep their professional licenses active:
Electricians
Mississippi requires licensed electricians to maintain general liability insurance, though specific minimum coverage amounts vary by licensing board and project type.
Electrical Sign Contractors
General liability insurance requirements for electrical sign contractors in Mississippi follow similar guidelines to other electrical trades.
HVAC Contractors
HVAC contractors in Mississippi must carry general liability insurance with minimum coverage amounts that depend on their specific license classification and the scope of work performed.
Fire Safety Companies
Fire safety companies operating in Mississippi are required to maintain general liability insurance coverage as part of their licensing requirements, with specific amounts varying by service type.
General liability insurance becomes a business necessity regardless of licensing requirements. Most commercial landlords demand proof of coverage before approving lease agreements.
How to Choose the Best General Liability Insurance in Mississippi
Finding the right general liability insurance in Mississippi starts with identifying your business risks and determining what affordable coverage fits your budget.
- 1
Figure out coverage requirements
Start by checking if your industry has specific licensing requirements in Mississippi. Many clients and contractors expect $1 million in coverage even when state minimums are lower for certain business types.
- 2
Prepare your business information
Collect details about your annual revenue, employee count and business operations.
- 3
Compare multiple insurance quotes
Always compare at least three quotes since rates differ.
- 4
Review terms beyond price
Don't focus solely on the lowest premium when comparing policies. Some policies include legal defense expenses outside your coverage limit, while others deduct these costs.
- 5
Verify insurer and agent credentials
Use Mississippi's insurance department website to confirm company and agent licenses before buying coverage. Check AM Best financial ratings and complaint records.
- 6
Ask about available discounts
Ask if you can save through safety program participation, policy bundling or maintaining a clean claims history.
- 7
Obtain your insurance certificate
Ask for your certificate of insurance immediately after buying coverage, since clients and landlords often need proof.
How to Prevent General Liability Claims in Mississippi
Business owners never want to handle liability claims, but Mississippi entrepreneurs can avoid most of these issues through preparation and planning.
Watch out for property hazards
Mississippi can have severe weather year-round, including thunderstorms, tornadoes and winds. Check business premises for damage after bad weather. Good lighting in your parking lot isn't optional.
Train your people well
Your team's mistakes become your problems. That new server needs to know how hot plates work. Your contractor should understand proper ladder safety. Spend time on training now, or spend money on lawyers later.
Keep good records
Photos save lawsuits. Document your work, save your communications and keep your contracts organized. Paper trails matter in court.
Get everything in writing
Put work locations, access routes and off-limits areas in writing. Clear boundaries prevent disputes about responsibility when accidents happen.
Fix problems fast
Upset customers sue; happy customers don't. When something goes wrong, address it immediately. Most people want their problems solved, so give them that, and you'll avoid court.
General Liability Insurance in Mississippi: Bottom Line
NEXT, The Hartford and Nationwide lead the market as top providers, but your ideal choice depends on your industry type, company size and available budget.
Commercial General Liability Insurance in Mississippi: FAQ
Our research and analysis helped us answer the most common general liability insurance questions that local business owners ask.
What does general liability insurance cover for Mississippi businesses?
General liability insurance for Mississippi businesses covers third-party bodily injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Mississippi?
Small businesses in Mississippi pay between $82 and $119 monthly for general liability insurance. The Hartford leads as the most affordable option at $82 per month, followed by Simply Business at $96 and Nationwide at $97. Your actual premium depends on your industry risk level, business size, location within the state, and chosen coverage limits.
Do Mississippi businesses legally need general liability insurance?
Mississippi does not legally require general liability insurance for most businesses. Municipalities and counties can impose their own insurance requirements.
Which company offers the best general liability insurance in Mississippi?
NEXT ranks as the top general liability insurance provider in Mississippi with an overall score of 4.57 out of 5.
What coverage limits should Mississippi businesses choose?
Mississippi businesses should first verify any minimum coverage requirements mandated by their industry licensing boards. The standard choice for most small businesses is $1 million per occurrence and $2 million aggregate coverage.
How can Mississippi businesses prevent general liability claims?
Mississippi businesses can reduce liability risks by promptly repairing property hazards and holding comprehensive employee safety training.
Can Mississippi businesses get discounts on general liability insurance?
Yes, Mississippi businesses can get reduced rates by bundling general liability with property or other commercial coverages.
How quickly can Mississippi businesses get general liability coverage?
Mississippi businesses can obtain general liability coverage rapidly through digital platforms.
What should Mississippi businesses do when filing a general liability claim?
Report the incident to your insurance company immediately upon occurrence.
How does general liability differ from professional liability coverage?
General liability insurance protects Mississippi businesses from third-party bodily injuries and property damage during operations, like a customer slipping in your store. Professional liability covers errors in services you provide, such as a consultant's advice causing client financial loss.
How We Scored the Best General Liability Insurance Companies in Mississippi
Mississippi business owners encounter specific liability challenges, including weather-related incidents and workplace accidents across diverse industries. Our evaluation process focused on identifying general liability insurers that provide dependable coverage without straining tight business budgets.
What We Evaluated
- Affordability (50%): Budget constraints hit Mississippi small businesses hard. We analyzed premium costs across carriers because reasonable pricing determines whether businesses can maintain important coverage.
- Customer experience (30%): Quality claims service makes the difference when accidents happen. We examined J.D. Power ratings, state complaint data, and independent agency feedback to assess how insurers treat policyholders during claims.
- Coverage options (15%): Mississippi businesses span many industries with varying liability exposures. We evaluated how effectively insurers customize general liability policies for different business types, from retail shops to construction companies.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We checked AM Best ratings and financial stability reports to ensure recommended companies maintain solid financial foundations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed September 18, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed September 18, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed September 18, 2025.
- Trustpilot. "The Hartford Reviews." Accessed September 18, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed September 18, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed September 18, 2025.