In the state of Mississippi, a business is required to carry workers’ compensation insurance if they have five or more (5+) employees working inside the state of Mississippi.

If an independent contractor, you might not be covered by the contracting firm’s workers’ compensation insurance policy.  You may very well need to provide proof of workers’ compensation coverage.

Are you an independent contractor or an employee?  Excellent Question.  Let’s get an idea.  (link)

Where to Obtain Workers’ Compensation insurance?

The state of Mississippi has a private workers’ compensation insurance marketplace.  As a small business, you can purchase workers’ compensation insurance from any private insurance company, agent and/or broker licensed to write in the state of Mississippi.

Request a quote from Harman Stone.

If a small business in the state of Mississippi is still unable to obtain coverage through conventional means, you may contact Mississippi’s assigned risk pool, which will assist you in finding workers’ compensation coverage.

In the state of Mississippi, a sole proprietor, partner or member of an Limited Liability Company (LLC), then you are excluded from coverage.  You do, however, have the option to include yourself in the workers’ compensation coverage if you so wish.

If you are a officer of the corporation, state law includes you in the workers’ compensation coverage, but you do have the option to exclude yourself.  If you are an employee that owns 15% or more of stock in the business, then you may exempt yourself from coverage.