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Last year small businesses in Mississippi made $72.3 billion. Mississippi small business are extremely successful. But accidents happen, and without insurance, business claims and legal fees will have to be paid out of your pocket.
You can protect your business’s revenue by having proper, comprehensive and customized commercial insurance.
40% of small businesses are likely to experience a property or general liability claim in the next 10 years. Here are some things these companies have been using their insurance on:
Mississippi business insurance will pay for covered claims so your business doesn’t have to. If your physical office space is damaged, a client files a liability claim or your employee is injured, you won't have to worry about your financial security.
Here’s what a standard business insurance policy should do:
Pay For Damage To Your Building
Pay For Damage To Your Business Property
Pay For Damage To Someone Else’s Property
Pay For Someone Else’s Medical Bills
Pay For Accidents in Company Vehicles
Pay For Employee Injuries & Compensation
A commercial insurance policy is not required of most Mississippi businesses, but you should consider how certain coverages may be necessary.
For example, businesses that have company-owned vehicles must carry commercial auto insurance. And being in a coastal state means you're prone to experience physical damage from bad weather.
To learn more about coverage that you may need to carry, you can talk with a local independent insurance agent.
It primarily depends on how risky your business is. The riskier your business is, the higher your insurance will be. Here are two examples.
Business insurance rates are calculated using a number of factors such as the risks to your business property, your liability coverage needs and the amount and types of coverage you want.
Policies can vary significantly by business industry, so it is best to talk with an experienced insurance agent when building a suitable and comprehensive policy for your business.
It’s usually wise to work with an independent agent in Mississippi since they have access to multiple insurance companies. Sometimes its difficult to find an insurance company who will cover your business.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|
|Bay St. Louis||997||8.17||1.8|