Contractor Insurance
in Mississippi
Affordable Coverage for Mississippi’s Hardworking Contractors
Whether you’re roofing homes in Jackson, framing cabins in Oxford, or running a small electrical crew in Biloxi—contractors across Mississippi trust ACI for fast, affordable insurance that meets state requirements and protects what matters most. We make it simple to get covered and stay compliant, no matter your trade.
Why Contractors in Mississippi Choose ACI
Local Expertise
We understand Mississippi contractor licensing, insurance rules, and compliance requirements.
Same-Day Certificates
Need proof of coverage for a jobsite or permit? We’ve got you covered—fast.
Flexible Payment Plans
Get started with as little as 20% down and pay on your schedule.
Bundled Savings
Combine policies like liability and workers’ comp to save up to 25%.
Insurance Coverage We Offer in Mississippi
We provide full-service coverage to protect your crew, tools, jobsites, and business:
- General Liability Insurance
Protects against third-party injuries, property damage, and legal fees. Frequently required to register as a contractor with the Mississippi State Board of Contractors or to bid on local projects.
- Workers’ Compensation Insurance
Required for Mississippi contractors with five or more employees, including part-time workers. Covers medical care, lost wages, and rehabilitation costs from workplace injuries.
- Commercial Auto Insurance
If your crew uses trucks, vans, or trailers for work, you’ll likely need commercial auto insurance in Mississippi. It covers accidents, property damage, and business-related liability not handled by personal auto policies.
- Tools & Equipment Insurance
Covers the cost to repair or replace your tools, machinery, or equipment if they’re damaged, lost, or stolen—whether from a jobsite, truck, or storage shed.
- Builder’s Risk Insurance
Short-term protection for buildings under construction or renovation. It covers damage from events like fire, storms, theft, and vandalism—critical in a state known for unpredictable weather.
Who We Cover in Mississippi
From residential remodeling to specialty trades, we insure a wide range of Mississippi contractors, including:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
Not seeing your trade? We likely cover it—request a quote to find out in minutes.
How Much Does Contractor Insurance Cost in Mississippi?
Insurance premiums vary based on your trade, business setup, and risk profile. Whether you’re a solo handyman in Hattiesburg or managing a full crew on the Gulf Coast, we’ll help you find a plan that fits your needs and budget.
Cost Factors
- Type of Work
Roofing and electrical work typically cost more than painting or landscaping.
- Business Size
More employees or payroll means higher coverage requirements.
- Coverage Limits
Higher limits give better protection but increase the premium.
- Claims History
A clean record can lower your rates.
- Location & Risk Profile
Rural, coastal, or storm-prone areas may affect pricing.
See your exact rate with a fast, personalized quote.
Mississippi Contractor Insurance Requirements
General Liability Insurance
Often required to obtain or renew your Mississippi contractor license and to bid on commercial and government projects.
Workers’ Compensation Insurance
Mandatory if your business has five or more employees. This includes part-time, seasonal, and subcontracted labor.
Commercial Auto Insurance
Required for vehicles registered to your business or used regularly for work tasks, including hauling tools, materials, or crews.
Licensing and insurance requirements can vary based on your trade, location, and job scope—ACI helps you stay fully compliant.
Get a Free Contractor Insurance Quote
in Mississippi
Whether you’re laying concrete in Tupelo or wiring homes in Gulfport, ACI makes it easy to get insured and stay ready for any job. Our team handles the paperwork so you can get back to work—faster and with less stress.