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Commercial Insurance · Mississippi

Contractors & Builders Risk Insurance in Mississippi

Construction is one of the highest-risk industries to insure. We specialize in putting together the right coverage package for Mississippi contractors — from general liability to builders risk to tools and equipment.

Get a contractors quoteCall (601) 255-7500

Coverage for contractors

What Mississippi contractors need

Contractors face unique risks — working on other people's property, operating heavy equipment, managing subcontractors, and taking on projects that span months. A standard BOP usually isn't enough. Here's what a complete contractor coverage package looks like.

General liability

Foundation of any contractor's insurance. Covers bodily injury, property damage, and completed operations — meaning if something goes wrong with your work after the project is done, you're still protected.

Builders risk

Covers a building or structure under construction against fire, storm, vandalism, and certain other losses. Typically written on a per-project basis or as a blanket policy for active contractors.

Tools & equipment / inland marine

Covers your tools, equipment, and materials while they're in transit or on a job site — not just at your shop or yard.

Commercial auto

Work trucks, trailers, and other business vehicles need commercial auto coverage, not personal auto.

Workers compensation

Mississippi has strict workers comp requirements for contractors, especially on certain job types and with subcontractors. We'll make sure you're compliant.

Subcontractor coverage

If you use subs, you need to make sure they carry their own insurance. We can advise you on certificate requirements and what to look for.

Common questions

Do subcontractors need their own insurance?
Yes. If a subcontractor doesn't have their own liability and workers comp, you — as the general contractor — could be held responsible for their accidents. Always get certificates before work begins.
What is builders risk and who buys it?
Builders risk covers a structure while it's being built. Either the property owner or the general contractor typically purchases it — it's usually specified in the contract. We can set it up either way.
Do I need a separate policy for each project?
Not necessarily. Active contractors can often get a blanket builders risk policy. General liability is typically written as an annual policy covering all your work.
I'm a licensed contractor in Mississippi — what do I legally need?
Mississippi contractor licensing typically requires proof of general liability insurance. Workers comp requirements vary. Call us — we work with contractors regularly and can make sure you meet all requirements.

Coverage built for contractors

We know what Mississippi contractors need. Let's put together the right package for your business.

Request a quoteCall (601) 255-7500