Top Contractor Insurance for Mississippi Businesses

Contractors provide services vital to the infrastructure of homes and businesses. From construction projects to electrical systems to plumbing systems, Hawsey Insurance offers tailored commercial insurance policies for contractors in Mississippi.

Invest in comprehensive insurance coverage that protects your clients, employees, equipment, and business. Keep reading to find out more about the types of insurance available to contractors in a range of industries and set up an appointment with one of our Mississippi commercial insurance agents in Madison, Jackson, or Southaven.

Types of Contractor Insurance in Mississippi

Basic coverage includes general liability and commercial auto insurance. However, as you know, contractors also encounter numerous risks specific to the work they do.

Are you properly covered for the following types of insurance?

• General Liability: Before you start your next job, ensure that you have the right coverage for bodily injury, property damage, and any mistakes on the job.
• Commercial Auto: You rely on vans, trucks, and cars to transport your people and equipment to different jobs. Unlike personal auto policies, commercial auto insurance offers add-on protection for equipment such as ladder racks and tool lockboxes attached to your vehicle.
• Business Owners Policy (BOP): Many contractors look for bundled policies that help them save money and increase their coverage. Contractor BOPs combine essential protection for commercial buildings and personal property.
• Workers’ Compensation: Do you have a handle on Mississippi laws governing workers compensation? If not, our agents can review your current policy and help you protect your employees if they become sick or injured at work.

We also handle industry specific insurance coverages for businesses of all types, including contractors.

Other Types of Insurance for Contractors in Mississippi:

• Property
• Builders’ risk insurance
• Contractor insurance
• Equipment insurance
• Contractor bond
• Pollution Insurance
• Umbrella (additional coverage for existing policies)

Who Needs Contractor Insurance in Mississippi?

If you are a contractor, independent tradesperson, or sub-contractor, you should carry contractor insurance. It protects your business, and many clients require proof of insurance before they will hire you.

Common trades that need contractor insurance include:

• Construction contractors
• Roofer
• Plumber
• Painter
• HVAC services
• Electrician
• Landscaper
• Carpenter

How much does it cost? Your contractor insurance rate will depend on your specific trade and the risk exposure of typical jobs. For example, roofing contractors must protect their employees from possible falls and other hazards associated with working under potentially dangerous conditions. Plumbers and electricians need to make sure that their insurance covers property damage to satisfy property owners.

Fill out our online form for an upfront quote today!

Reach out to Hawsey Insurance for contractor insurance in Mississippi. We would be happy to review your existing policy and make suggestions for future insurance decisions.

Hawsey Insurance serves businesses in Madison, Jackson, Southaven as well as all of Mississippi and the surrounding states. Call 601-856-7707 to set up an appointment.