How does workers' comp work in Mississippi?

Mississippi has a no-fault insurance plan mandated by state law. The Mississippi Workers' Compensation Law was enacted in 1948 and guarantees payment of certain medical costs and lost wages to workers injured on the job. Mississippi is also unique in that it has a Workers Compensation Commission. The role of this commission is to supervise and monitor claims within the system.

Mississippi uses the National Council on Compensation Insurance (NCCI). NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. Mississippi uses NCCI to determine rates and administer the assigned risk for the state. If your business for any reason cannot find coverage on the open market the assigned risk will offer coverage. Coverage in the assigned risk is normally higher than the open market.

In Mississippi, rates on Workers' Compensation Coverage are 15 percent lower than the national average. Still many employers do not take full advantage of all the programs and discounts available to them. Our agents specialize in Workers' Compensation Coverage and they know all the ways to help you get more complete coverage and get the best rates in the industry. Start a quote online. It only takes a few minutes.

Workers' Comp Rules & Information for Mississippi

MS State Insurance Directives Regarding Covid-19

MS has issued a 60-day moratorium on the cancellation/non-renewal of policies for the non-payment of premiums.  This is not a premium waiver – insurers should work with policyholders during the moratorium by either allowing a payment plan or further extension of the due date.  A policy can still be cancelled/non-renewed for legally recognized reasons other than failure to pay premium.

Mandatory order and law in effect from 03/24/2020 until 05/23/2020. Applies to all lines of coverage abd all insurance carriers.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Mississippi Workers Compensation Commission

PO Box 5300
1428 Lakeland Drive
Jackson, MS 39296-5300
601-987-4200

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

Mississippi has its own Workers' Compensation Commission. The goal of this commission is to provide the citizen's of Mississippi with useful information regarding Workers' Compensation in the State of Mississippi.

How does workers comp help my business?

Your business benefits from workers' compensation coverage, by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee. You can move forward with your business operations knowing that if one of your employees is injured because of something that happens as a normal part of your business operations, your business is not liable for the costs.

Workers Compensation Class Codes in MS

According to a recent report, 2 out of 5 employers are likely misclassified into an NCCI class code with higher rates than the correct code. One of the primary components of pricing workers' compensation insurance is classifying a risk or workplace exposure within the proper NCCI workers compensation class code. Incorrect risk classifications by insurance agents and/or underwriters often results in premium that is higher or lower than it should be. Sometimes payroll is reclassified at the time of audit.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Mississippi Work Comp Information

MS Work Comp Commission

The Mississippi Workers Compensation Commission is responsible for supervising and monitoring MS claims. They also monitor compliance with the law and require employers to purchase workers compensation or to self-insure with permission from the Commission.

Mississippi Work Comp Brokers

Let Workers Compensation Shop.com help your business navigate workers comp insurance in Mississippi.

What Does Workers' Compensation Insurance Cover?

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Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
...
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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