General Liability (GL)

• Third-party bodily injury, property damage, and personal/advertising injury
• Typical limits $1M/$2M; higher limits available for larger Mississippi projects
• Additional Insured, Primary & Noncontributory, and Waiver of Subrogation for owners and GCs
• Per-Project Aggregate - dedicates a fresh limit to each Mississippi job
• Products & Completed Operations for claims that surface after project handover

Mississippi property owners increasingly require Per-Project Aggregate on renovation work - confirm this endorsement is in place before committing to multiple projects.

Workers' Compensation

• Required by Mississippi law for any contractor with employees
• Covers medical bills, lost wages, and rehabilitation for work-related injuries
• Employers Liability protects against employee negligence suits
• Owner/officer exclusions available where permitted
• Experience modification and payroll audit support

Accurate payroll classification is crucial for managing WC premiums. The Mississippi Workers' Compensation Commission actively audits contractors, making compliance essential.

Builders Risk (Course of Construction)

• Coverage for structures under construction against fire, theft, vandalism, and weather perils
• Single-project or blanket options for GCs managing multiple jobs
• Soft costs, delay-in-completion, and Ordinance or Law endorsements available
• Required by most lenders for Mississippi ground-up and major renovation financing
• Should extend through the building department inspection and certificate of occupancy process

Mississippi's urban job sites can increase theft exposure for materials. Set limits at full completed value to avoid coinsurance penalties.

Inland Marine (Tools & Equipment)

• Covers tools, equipment, and machinery used on job sites
• Coverage follows equipment to job sites, in transit, and in storage
• Scheduled and blanket options; covers rented/leased equipment
• Theft from vehicles and job sites is a common loss type

Standard Commercial Property only covers tools at your shop address. Inland Marine protects the equipment actively used on Mississippi projects.

Commercial Auto

• Coverage for vehicles used for transporting materials
• Liability for accidents on Mississippi highways and city streets
• Hired & Non-Owned Auto coverage for employee use of personal vehicles
• Fleet or single-unit options available

Mississippi's road conditions can increase accident frequency. Ensure HNOA is in place if employees use personal vehicles for work-related tasks.

Professional Liability / Contractors E&O

• Covers claims alleging negligent project management or design errors
• Project-specific or annual practice policy options
• Pairs with GL to cover financial losses not reached by GL

As GCs take on more design responsibilities, Contractors E&O becomes essential to cover professional judgment exposures.

Commercial Umbrella / Excess Liability

• Extra limits over GL, Auto, and Employers Liability
• Often required for larger Mississippi projects
• Cost-effective way to meet higher contract requirements

Larger projects may specify total liability limits that exceed standard GL policies. An umbrella policy can provide the necessary coverage.

Bonds (License, Bid, Performance & Payment)

• License/Permit Bond required for Mississippi contractor registration
• Bid Bond guarantees contract honor if awarded
• Performance Bond ensures project completion
• Payment Bond guarantees subcontractor and supplier payments

Mississippi GCs bidding on public contracts will need bid and performance/payment bonds. We arrange bond capacity alongside your insurance program.

MS Contractor Registration

All contractors performing work in Mississippi must register with the Mississippi State Board of Contractors. This registration requires proof of insurance and a license/permit bond. Operating without registration can lead to fines and unenforceable contracts.

Mississippi Building Permits

All construction work in Mississippi requires permits through local authorities, with inspections at each phase. Permit applications typically require a current Certificate of Insurance. Confirm permit status before starting work to avoid coverage voids.

Public Project Bonding

Public construction contracts in Mississippi often require performance and payment bonds. Ensure you have the necessary bonding capacity before bidding on public work.

Worker Classification

Mississippi applies specific tests for determining employee vs. independent contractor status. Misclassification can lead to significant liabilities, so ensure compliance with state regulations.