Workers' Compensation by state

Workers' compensation requirements in Mississippi

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Does Mississippi require workers' compensation insurance?

Yes. Mississippi requires workers' compensation coverage once a business has five or more employees, under the Mississippi Workers' Compensation Law. Mississippi requires workers' compensation coverage once an employer regularly has five or more employees. Employers below the threshold may elect coverage voluntarily.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Mississippi requires workers' compensation coverage once an employer regularly has five or more employees. Employers below the threshold may elect coverage voluntarily.

Coverage trigger: Five or more employees
If you go without coverage: Failing to carry required coverage can bring civil penalties, misdemeanor liability, and direct exposure to an injured worker's claim outside the compensation system.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Employers with fewer than five employees
Domestic and farm labor
Certain nonprofit, fraternal, and charitable organizations

Statutes and sources

Mississippi Workers' Compensation Law

Miss. Code Ann. sect. 71-3-1 et seq.

Regulator: Mississippi Workers' Compensation Commission . Last verified 2026-07-29 from the official source .

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