Let’s Protect What’s Yours

Business Insurance

If you own a business in Mississippi, you need insurance. Do you have property you can’t afford to replace if lost or damaged? Could you be faced with a lawsuit? If either is true for you, you should protect yourself and your business with a business insurance policy. Businesses on the Mississippi Gulf Coast should be especially aware of their risk of wind, hail, and flooding from hurricanes and tropical storms.

Icons representing various business industries and business insurance
  • Commercial Liability
  • Product Liability
  • Property Insurance
  • Business Auto Insurance
  • Workers Compensation
  • Excess/Umbrella
  • Flood & Earthquake
  • Inland Marine
  • Professional Liability
  • Cyber
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There are several basic business insurance coverages we recommend you consider as a Mississippi business owner. Depending on your business, they may not all apply.

Liability Insurance

Commercial General Liability

As a business owner, you are potentially liable for every product, service, and operation relating to your business. While sound procedures may be stressed throughout your organization, the fact remains that no person or machine is perfect. Despite your best efforts, harm caused to a third party relating to your business could lead to litigation. Commercial general liability insurance protects business owners and assets from various exposures. You can learn more about commercial general liability insurance here.

Product Liability

Even though commercial liability and product liability sound similar, it’s essential to know they are not the same. If your product may potentially damage a person or property, even if the product is used correctly, then product liability insurance is essential.

Recommended Business Insurance Coverages

Property Insurance

Imagine a fire breaks out, and you lose your entire inventory. Or your business is burglarized, causing physical damage and possibly lost assets. Your ability to recover from these incidents depends on your commercial property insurance.

Business Auto Insurance

Imagine you were involved in an accident in your personal vehicle while engaged in company business. Did you know your personal insurance may not cover you? What if you have employees on the road making service calls to customers? Commercial auto insurance protects your company-owned vehicles, leased or rented vehicles, and your employees’ vehicles used for business purposes.

Workers Compensation

Suppose you employ any number of workers who are not considered business owners. In that case, you’re legally required to maintain a workers compensation policy. You do your best to maintain a safe work environment. Still, you are legally responsible if any of your employees are injured or become ill on the job. A workers compensation policy can cover the payment of your employee’s medical expenses, lost wages, and rehabilitation costs.

Excess/Umbrella

Every business is vulnerable to devastating losses and lawsuits that could exceed your primary insurance coverage. A catastrophic claim could deplete your future income and business assets without an excess or umbrella policy. This is critical coverage—especially for small to mid-sized companies.

Other Beneficial Business Insurance Policies

Wind & Hail

While your business owners policy (BOP) or commercial property policy will cover wind and hail damage, if your business property is close to the Mississippi Gulf Coast, it may be necessary to have a separate wind/hail policy.

Flood & Earthquake

Your basic insurance policy does not protect you against damage from earthquakes and floods. Regardless if your business is in a high or low-risk area, you should consider adding earthquake and flood insurance to your business insurance policy. More than half of all flood claims occur in areas considered to have low flood exposure, and each year there are around 5,000 earthquakes in the United States. This is especially important in Mississippi, where flooding happens regularly all over the state.

Inland Marine

Do you have business equipment, materials, or supplies in transit? Do you store business property in an off-site location? Inland marine coverage protects your most valuable business property or equipment, wherever it may be.

Professional Liability

If you or your employees are specialists providing services that may cause a client financial damage through any errors or omissions, you will benefit from professional liability coverage. You work hard to perform your duties and responsibilities to the best of your ability. Still, if your customer isn’t satisfied, you may face a lawsuit. A professional liability policy protects you, your employees, and your business.

Cyber

Today, cybercrime runs rampant. Data breaches are an all-too-common occurrence and are commonly targeted toward small businesses. If you store sensitive customer information, such as account numbers, driver’s license numbers, and credit card numbers, and you are the victim of a data breach, you are liable for any damages caused by the breached information.

Where do I start?

Business insurance in Mississippi can be a complex process of finding the insurance policy that best fits your needs. We’re here to help you identify your potential risks and liabilities and then work with you to tailor a policy that will protect your business. Let’s get started protecting what’s yours.

Our Experienced Agents

We've been protecting Mississippi businesses for decades. Our experienced insurance agents have tons of experience across all industries, and our agency is backed by Leavitt Group's national family of agencies and experts.

Whether you're considering starting a new business or an established company, we can help answer your questions and provide insurance quotes from multiple companies.

Our job is to make sure all of our business partners are properly protected with insurance coverages that fit their individual business needs. We're all about properly protecting businesses, not just providing the cheapest coverage and moving on. For us, it's about partnerships, not just selling policies.

Ashton Serpas

Insurance Agent
Ocean Springs, MS

Joe Joe Tharp

Insurance Agent
Jackson, MS

David Pyron

Insurance Agent
Jackson, MS

Ian Cross

Insurance Agent
Pascagoula, MS

Spencer Mitchener

Insurance Agent
Gulfport, MS

Cameron Farmer

Insurance Agent
Jackson, MS

Zac Little

Insurance Agent
Jackson, MS