Mississippi commercial insurance rate filings (2026)
Every commercial-insurance carrier writing business in Mississippi files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Mississippi. This page summarizes the 1 active filings we track for Mississippi across 1 line(s) of business and 1 classification(s).
How Workers' Comp rates are set in Mississippi
Mississippi runs a private Workers' Comp market. Rate filings are reviewed by the Mississippi Insurance Department. We track 1 distinct classification(s) for Mississippi across 1 active filing(s). Workers' Comp loss costs are filed by NCCI in most states or by an independent state rating bureau; your actual premium is that filed loss cost multiplied by your carrier's loss-cost multiplier (LCM), your experience modifier, and your payroll divided by $100 — so two Mississippi businesses in the same classification can pay very different rates. Comparing quotes from multiple carriers is the only way to see how those multipliers differ for your specific operation.
The lines we track are Workers Compensation. The most-recent Mississippi filing we track is effective March 2025. Every row below links to the filing it was taken from so the Mississippi regulator record can be verified.
Workers' Compensation covers medical bills and lost wages for Mississippi employees injured on the job — mandatory in Mississippi once you have staff.
In Mississippi, Commercial General Liability carriers earned about $504M in premiums at a 58.4% loss ratio and a 3.9% underwriting profit (NAIC 2023). In Mississippi, Commercial Multiple Peril carriers earned about $483M in premiums at a 72.2% loss ratio and a -15.9% underwriting profit (NAIC 2023). In Mississippi, Commercial Auto carriers earned about $426M in premiums at a 71.6% loss ratio and a -8.5% underwriting profit (NAIC 2023). In Mississippi, Workers Compensation carriers earned about $368M in premiums at a 40.5% loss ratio and a 22.3% underwriting profit (NAIC 2023). In Mississippi, Inland Marine carriers earned about $298M in premiums at a 42.4% loss ratio and a 13.6% underwriting profit (NAIC 2023). In Mississippi, Commercial Property carriers earned about $237M in premiums at a 56.4% loss ratio and a 14.2% underwriting profit (NAIC 2023). In Mississippi, Medical Professional Liability carriers earned about $61M in premiums at a 23.7% loss ratio and a 40.1% underwriting profit (NAIC 2023). In Mississippi, Product Liability carriers earned about $25M in premiums at a 54.3% loss ratio and a -18.8% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Mississippi, beyond the filed loss costs above.
- Mississippi rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
- Your actual Mississippi premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | MS | Overall -4.6% voluntary loss cost; -6.7% assigned risk market | Mar 1, 2025 | SERFF #NCCI-134280820 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Quotes from 10+ carriers · Licensed agent followup
5 quick questions · No phone calls · No SSN required
Who writes commercial coverage in Mississippi
63 carrier groups have an active filing footprint across 127 lines of insurance in Mississippi (25,129 filings observed in the state's public SERFF record). Most active by volume: Hartford, Liberty Mutual, Berkley, Nationwide, AmTrust, Zurich.
This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.
Compare Mississippi carriers →Get a real Mississippi quote
Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Mississippi quote in under 90 seconds.
Get a free Mississippi quote →Related Mississippi cost pages
Mississippi-specific cost guides for the verticals we cover:
Mississippi insurance profitability by line (2023 NAIC)
How profitable each commercial line runs in Mississippi — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:
Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →