Best Small Business Insurance in Mississippi

NEXT ranks first in MoneyGeek's Mississippi study at $100 monthly, and leads the state providers in customer service. Its digital platform delivers same-day coverage and instant certificate generation, backed by an A- (Excellent) AM Best rating. NEXT is best for Mississippi businesses needing fast policy setup and 24/7 mobile access.

NEXT costs $100 monthly ($1,205 annually) and leads Mississippi in workers' comp pricing at $69 monthly. The insurer's professional liability rates rank second-best statewide at $73 monthly, beating the $78 state average. General liability costs $104 monthly (matching the state average), while BOP runs $156 monthly—compare other providers for potential bundled savings.

NEXT ranks first in Mississippi for customer experience, earning the nation's highest digital score for instant mobile policy management. Claims processing ranks fourth statewide, which is solid performance but not industry-leading. Some customers report difficulty reaching human support for complex claim questions despite strong app functionality.

NEXT covers Mississippi contractors, consultants and food services with same-day protection against customer injuries, professional errors and employee accidents. Policies provide $1 million in liability coverage with instant certificate generation for contract requirements. Specialized industries like aviation or hazardous materials may need alternative providers, so verify eligibility online before applying.

The Hartford ranks second overall in MoneyGeek's Mississippi study while offering the state's lowest rates at $84 monthly ($1,013 annually). Founded in 1810 with an A+ AM Best financial rating, the company combines proven stability with competitive pricing. It's best for Mississippi businesses prioritizing budget-friendly coverage from a financially strong provider with over 200 years of experience.

The Hartford leads Mississippi across three coverage types: general liability at $82 monthly (vs. $104 average), professional liability at $71 monthly (vs. $78 average) and BOPs at $114 monthly (vs. $148 average). Workers' comp costs $70 monthly, ranking second-best and matching the $74 state average. You'll save significantly on most coverage types compared to competitors.

The Hartford ranks second nationally for customer service with a 4.55 score, earning first place for claims processing. That means faster resolutions when filing claims. The company's digital experience ranks last among Mississippi competitors, indicating stronger phone support than online tools. Some customers report billing issues and complex cancellation processes despite excellent claims handling.

The Hartford covers over 60 industries with employment practices liability that automatically includes wage and hour defense, valuable protection for Mississippi contractors, food services and retail businesses managing employees. Liability limits from $300,000 to $2 million let you meet most contract and lease requirements. Mississippi businesses can't purchase BOPs, and some specialized products vary by state, so confirm availability for your location.

Simply Business ranks third overall in MoneyGeek's Mississippi study at $97 monthly as a digital insurance marketplace partnering with over 20 top-rated carriers. The platform streamlines comparison shopping by eliminating traditional agent commissions while connecting you to multiple A-rated insurers. It's best for Mississippi businesses who want to compare coverage options from multiple providers in one place.

Simply Business costs $97 monthly ($1,170 annually) with rates varying by carrier and coverage type. General liability ranks second-best at $96 monthly (vs. $104 average), saving you $8 monthly compared to the state average. Workers' comp costs $71 monthly and professional liability runs $76 monthly because both slightly above state averages, so compare multiple carriers through the platform.

Simply Business ranks third nationally for digital experience, offering streamlined quote comparisons and policy management through one platform. Customer service scores 4.0, ranking sixth in Mississippi as its multi-carrier model means support quality varies by your chosen insurer. The platform excels at price transparency but relies on partner carriers for claims handling and ongoing service.

Simply Business partners with over 20 carriers including Travelers, Hiscox and CNA, giving Mississippi contractors, consultants and online retailers access to specialized policies single insurers can't match. The platform earned selection for Amazon's Insurance Accelerator Program, offering e-commerce businesses product liability coverage formatted for Amazon's requirements. Coverage breadth ranks first statewide, matching you with carriers that understand your specific industry.