Business Insurance

Business insurance protects your company from financial losses caused by property damage, lawsuits, accidents, and professional mistakes. Most businesses need a combination of policies for full protection.

Protects your physical assets, including: • Buildings you own • Equipment and furniture • Inventory and supplies • Business interruption (loss of income after a covered loss) If a fire, storm, or theft damages your property, this coverage helps repair or replace it.

Protects against third-party claims involving: • Bodily injury (e.g., slip and fall) • Property damage • Legal defense costs • Advertising injury claims This is the foundational liability policy most businesses carry.

Also called Errors & Omissions (E&O). Protects businesses that provide advice or services from claims of: • Negligence • Mistakes • Misrepresentation • Failure to perform services Common for consultants, agents, contractors, healthcare providers, and technology firms.

Protects against third-party claims involving: • Bodily injury (e.g., slip and fall) • Property damage • Legal defense costs • Advertising injury claims This is the foundational liability policy most businesses carry.

Covers vehicles used for business, including: • Liability from accidents • Vehicle damage • Medical payments • Uninsured drivers Required if your business owns or operates vehicles.

Provides additional liability protection above your existing policies (General Liability, Auto, Employers Liability). If a claim exceeds your base policy limits, umbrella coverage helps protect your business from large financial losses.

Workers’ Compensation is insurance that pays for medical bills and lost wages if an employee is injured or becomes ill because of their job. It also protects employers from most lawsuits related to workplace injuries. When is Workers’ Compensation required in Mississippi? In Mississippi, most businesses are required to carry Workers’ Compensation insurance if they have five (5) or more employees. Construction businesses must carry coverage if they have one (1) or more employees.