Mississippi Truck Insurance

MS License #: 15040359


Mississippi Commercial Truck Insurance

The Magnolia State is known for southern hospitality, blues music, and catfish. But trucking plays a vital role too, transporting goods along major highways and interstates crisscrossing Mississippi. With diverse cargo and bustling trucking activity, securing proper commercial insurance is key.

Also nicknamed the Hospitality State, Mississippi welcomes long-haul truckers along its highways and roads. I-10 and I-55 see endless streams of big rigs carrying goods far and wide.

What kinds of cargo do trucks frequently transport in Mississippi? From Jackson's factories, 18-wheelers haul appliances, furniture, machinery, and more manufactured products. The fertile Delta region produces bumper crops like soybeans, rice, corn, and cotton shipped to markets. Seafood like shrimp, oysters, crab, and fish make their way from Gulf coast docks to dinner plates nationwide. Timber from Mississippi's Pine Belt forests gets trucked to sawmills and manufacturing plants. Minerals mined in the state also fill trailers destined for processing facilities.

Mississippi's prime location in the Southeast with Gulf Coast access makes it a strategic freight hub. Trucks provide vital connections between manufacturers, farmers, distributors, retailers, and consumers. Smooth trucking logistics keep the Magnolia State's economy rolling.

Understanding Mississippi Trucking Insurance Coverages

With its bustling freight industry, Mississippi trucking companies need ample insurance protection for their rigs rolling along the Magnolia State's highways - from basic liability to more robust bundled policies covering collisions, cargo, and beyond.

  • Auto Liability

    Liability insurance is mandatory in Mississippi and protects your business in case an accident injures others or damages their property. For truckers, this coverage applies if your rig collides with another vehicle, damages infrastructure like guardrails or signs, or injures pedestrians. For example, if your semi-truck jackknifes on I-10 and strikes a minivan, liability insurance helps cover their vehicle repairs and medical bills for any injured occupants. Mississippi requires minimum liability limits of $25,000 per injured person, up to $50,000 per accident, and $25,000 for property damage. However, accidents often exceed these minimums, so higher liability limits are recommended. Comprehensive liability insurance is crucial for trucking companies to mitigate potential lawsuit and settlement costs in the event of a serious crash. Be sure to discuss adequate coverage with your insurance agent or broker.

  • Physical Damage

    Beyond liability, physical damage coverage is key to safeguard your business vehicles and assets. This insures your actual rig, trailer, or other commercial fleet vehicles in case of an accident, vandalism, natural disaster, or other damage. For example, if your loaded semi-truck overturns due to an icy Mississippi highway, physical damage coverage helps pay for repairs or replacement if the rig is totaled. Collision insurance covers damage from accidents, while comprehensive coverage insures against theft, fire, hail, floods and more. Physical damage is not required by law, but is vital to protect your substantial investment in your trucking equipment. Be sure to choose adequate deductibles you can afford and select endorsements like rental reimbursement if your rig is out of commission. Discuss your coverage needs with a commercial insurance agent to customize the right physical damage policy.

  • Motor Truck Cargo

    If you haul freight for others in Mississippi, motor truck cargo insurance is essential to protect the goods you transport. It covers loss or damage to your customers' cargo while in your custody, whether caused by an accident, weather, theft, or other hazards. For example, if you are transporting a shipment of electronics from a manufacturer in Tupelo down to Gulfport, and some of the items are stolen at a truck stop, your cargo coverage would pay for the stolen electronics. Cargo insurance is not legally mandated, but shippers will require you to carry it to transport their goods. The coverage limit should match the maximum value of cargo you typically haul.

  • Reefer Breakdown

    For truckers hauling perishable goods in Mississippi, reefer breakdown coverage is crucial protection. It covers loss or spoilage of temperature-sensitive cargo if your refrigeration equipment fails during transit. For example, if you are carrying a load of fresh seafood from the Gulf Coast up to Memphis, and your reefer unit stops working along the route, causing the shipment to spoil, reefer breakdown coverage would pay for the cost of the spoiled cargo. This specialized insurance is important for refrigerated trucks or trailers transporting produce, meat, dairy, medicine or other perishables. Breakdown coverage applies whether the unit's electrical, mechanical or structural failure is due to an accident, improper maintenance or normal wear and tear. Having contingency plans for refrigeration malfunctions and breakdown insurance can prevent major losses for your Mississippi trucking business.

  • Non-Owned and Trailer Interchange

    For trucking companies in Mississippi using trailers they don’t own, there are two useful coverages. Non-owned trailer insurance protects you if a borrowed or rented trailer is damaged while attached to your truck. For example, if you rent a car hauler to transport vehicles for a customer and are in an accident, this coverage pays for damage to the rented trailer. Trailer interchange insurance covers you when swapping trailers with other carriers. If you detach your reefer loaded with freight, give it to another trucker to transport, and their driver rolls it, interchange insurance covers repairs. Or if their trailer is damaged while attached to your truck, their policy would apply. Both coverages protect your business from liability for trailers not owned by your company that are damaged in your custody.

  • Non-Trucking Liability

    Non-trucking liability insurance (NTL) is important for owner-operators or independent contractors hauling loads in Mississippi. It provides liability protection when your truck is being used for non-business purposes. For example, if you detach your trailer and are bobtailing your rig from a delivery back to your home base, regular business auto liability may not apply. Or if you are driving your unladen truck to the mechanic for maintenance, NTL covers potential accidents, as opposed to personal auto insurance which may exclude commercial vehicles. It's affordable extra coverage that fills liability gaps when your rig is operating without a trailer, load, or specific job dispatch.

  • Excess Liability

    Carrying higher liability limits through excess liability or umbrella insurance is prudent for trucking companies in Mississippi. It provides another layer of protection beyond your primary liability coverage in case of a catastrophic accident. For example, if your loaded tanker truck crashes into a major highway interchange, damaging infrastructure and causing severe injuries, your underlying $1 million liability limit could easily be consumed. Excess liability kicks in when primary limits are exhausted, providing another $4 or $5 million in additional coverage. This extra cushion is important for truckers as accidents involving big rigs often have high settlements. Excess liability also covers defense costs.

  • Workers Compensation

    Carrying proper workers compensation insurance is mandatory for trucking businesses in Mississippi and provides essential protection for your drivers and employees. It covers their medical treatment and lost wages if injured on the job. For example, if one of your drivers slips on wet pavement while securing their load and fractures their arm, workers comp pays for their hospital bills, rehabilitation, and income while they recover. Even owner-operators with just themselves as employees need coverage. A work-related accident or occupational illness can happen anytime while working. Having adequate workers comp limits ensures your team can get quality care and replacement wages so you can focus on operations, not just claims.

  • Occupational Accident

    For independent big rig drivers and owner-operators in Mississippi, securing occupational accident coverage is a wise choice. It provides medical and disability benefits if you are injured on the job. For example, if you fall off your rig while inspecting your truck and severely sprain your wrist, occupational accident insurance helps pay for doctor bills, physical therapy, and provides cash assistance while recovering. It fills coverage gaps if you operate as a sole proprietor without W-2 employees. Benefits help with living expenses and health costs if you miss work due to an accident. Maximum benefits, exclusions, premiums and deductibles vary across occupational accident plans.

  • General Liability

    Besides auto-related liability, general liability coverage is important for trucking businesses to insure their facilities, operations, and employee actions. It protects against claims of bodily injury, property damage, personal injury, and advertising injury. For example, if a visitor slips and falls in your Mississippi truck terminal's office and sues for their injuries, general liability insurance helps cover legal fees and any settlement. Or if an employee unintentionally damages cargo at a customer's facility, their mistakes are covered. Having adequate general liability limits prevents trucking companies from paying costly claims out-of-pocket. Policies can include useful endorsements like hired/non-owned auto if employees drive personal vehicles for work. Discuss appropriate coverage with an insurance agent experienced in the unique risks trucking companies face in Mississippi.

Why Choose The Insurance Store for Truck Insurance in Mississippi?

As an independent insurance agency, The Insurance Store gains you access to coverage from multiple A+ rated carriers. We compare quotes across top transportation insurance providers to get you the best rate. Our family-owned agency knows trucks, serving commercial clients for over 50 years. You want an agent who speaks trucker lingo, not just insurance jargon.

Insurance for Your Operations in the Hospitality State

With heavy freight loads and high mileage under your belts, protecting your trucking business with proper insurance is vital. Mississippi requires minimum levels of liability coverage, but accidents can exceed those limits. Comprehensive commercial policies from The Insurance Store safeguard your business.

Our truck insurance programs cover rigs of all sizes and specialties:

We customize coverage for your specific needs, whether transporting general freight, liquids, logs, livestock, cars, or specialty cargo. Our experienced agents help select the right insurance products so you can cruise through Mississippi with confidence.

Instant Certificates of Insurance with the TIS24 App

Our TIS24 app allows managing insurance documents from your smartphone. Issue certs of insurance, view your ID cards, and other paperwork at your fingertips! The open road calls, and we want you focused on driving, not insurance hassles.

Get Assistance with your Mississippi Truck Permits & Filings

Navigating truck permits in Mississippi can be tricky, but our permits division, TIS Trucking Services, makes the process smooth. We know the ins and outs of the Magnolia State's specific regulations and filing requirements. Whether it's securing your DOT number, registering for UCR, or filing your 2290 heavy vehicle use tax, we handle all the paperwork for your Mississippi trucking operation. Lean on our permitting pros so you can focus on your core business of keeping freight moving.

Serving Mississippi and Beyond!

Centrally located, Mississippi shares borders with Louisiana, Arkansas, Tennessee, Alabama, and the Gulf of Mexico. Our truck insurance spans state lines, with affordable coverage across the Southeast and beyond. Wherever your deliveries take you—to New Orleans, Memphis, Atlanta, or nationwide—we have the flexible insurance products commercial truckers need.

Get a Quote for Mississippi Truck Insurance

As a leading insurance provider for trucking professionals, The Insurance Store wants you focused on safe travels and satisfied customers, not stresses over insurance. Call our office at 888-570-3130 or request a quote online to get affordable Mississippi truck insurance tailored to your business!

Mississippi Truck Insurance Quote

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