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Trucking Insurance in Mississippi

Mississippi requires common carriers and contract-permit holders to keep liability insurance or an approved bond in force, and state law sets the required amount no lower than 49 CFR Part 387. The Department of Public Safety says common property carriers file Form OP-1 authority paperwork, so verify both the state carrier record and any federal operating-authority filing. 1,2,3

What Is Trucking?

Trucking coverage can address liability, damage to your trucks and cargo losses, but one quote may not include all three. If you haul goods for customers or yourself, compare those protections and check whether the quote needs motor-carrier or other commercial auto coverage. Read the national Trucking guide.

Mississippi Requirements

RequirementDetails
Common and contract motor carriersContinuous liability insurance or approved bond; not less than applicable 49 CFR Part 387 minimum 1,3

What to Watch for in Mississippi

  • Use Part 387 As Mississippi’s Minimum Floor

    Mississippi Code § 77-7-83 says the Commission’s insurance or bond requirement for common carriers cannot be lower than the U.S. Department of Transportation requirements in 49 CFR Part 387. Identify your freight category and compare the proposed limit with the current federal schedule before the carrier files proof. 1,3

  • Keep Carrier Liability Proof Continuously Active

    Mississippi’s carrier statute requires qualifying common-carrier certificate holders to keep insurance or an approved bond in force at all times. Ask the broker to coordinate policy renewals and any replacement filing so there is no gap that interrupts the carrier’s authority. 1

  • File The Mississippi Property-Carrier Application

    The Mississippi Department of Public Safety says a common carrier of property must file Form OP-1 for motor property-carrier and broker authority, alongside the USDOT identification report and safety certification application. Confirm whether your business needs state and federal authority, then check that the insurance filing names the same operating entity. 2,3

  • Know Which Claims The Carrier Filing Protects

    Mississippi § 77-7-83 describes carrier liability insurance for personal injury and property damage claims by members of the public or government entities; it does not describe cargo protection for shippers in that section. Ask for a separate cargo quote if you need coverage for the freight itself. 1

Who Regulates Insurance in Mississippi

Mississippi Insurance Department

The Mississippi Insurance Department licenses agents and companies, enforces state insurance laws, and investigates insurance complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4% premium tax and 0.25% stamping fee on gross premium and policy fees when Mississippi is the insured's home state; MSLA says do not report if Mississippi is not the home state unless 100% of premium is allocated to Mississippi. A separate 3% MWUA fee applies to gross premium and policy fees except residential flood and earthquake. For policies quoted or bound on or after July 1, 2017, Mississippi no longer requires a general diligent search before surplus-lines placement. If Mississippi is the insured's home state, the published charges are 4% premium tax and a 0.25% stamping fee on gross premium and policy fees, plus a separate 3% MWUA fee except for residential flood and earthquake; Mississippi's required policy notice says a nonadmitted insurer is not protected by the Mississippi Insurance Guaranty Association if it becomes insolvent. 7,8,9,10,11

Mississippi Surplus Lines Association

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Mississippi

  1. Which 49 CFR Part 387 commodity category applies to each load, and what limit must Mississippi accept?
  2. Does our company need Mississippi Form OP-1 authority, federal authority, or both?
  3. Will the insurer or surety keep carrier liability proof continuously active and notify the right authority of changes?
  4. Is cargo coverage separate from the public liability filing, and what limit fits the goods we haul?

Trucking in Mississippi: FAQ

What insurance minimum does Mississippi require for a common carrier? 1,3

At least the applicable federal 49 CFR Part 387 minimum. Mississippi Code § 77-7-83 also requires the carrier to keep insurance or an approved bond in force. 1,3

What application does a Mississippi property carrier file? 2

The Mississippi Department of Public Safety says common carriers of property file Form OP-1 for motor property-carrier and broker authority, along with USDOT identification and safety-certification paperwork. 2

Trucking in Other States

Other Coverage in Mississippi

Sources

  1. Mississippi Code § 77-7-83: Insurance Required of Certificate Holders. Mississippi Legislature, reproduced by Justia; § 77-7-83: continuous carrier liability insurance and the Part 387 minimum floor; last updated 2025. Accessed 2026-09-29.
  2. What Applications Do I Need to Complete for Common Carrier Authority? Mississippi Department of Public Safety; Form OP-1 property-carrier authority and MCS-150/MCS-150A USDOT paperwork. Accessed 2026-09-29.
  3. Insurance Filing Requirements. Federal Motor Carrier Safety Administration; Motor Carrier of Property chart: applicable liability limits by cargo and vehicle class. Accessed 2026-09-29.
  4. Mississippi Insurance Department. Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28.
  5. Insurance License Lookup. Mississippi Insurance Department; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Mississippi Insurance Department; State complaint process and contact. Accessed 2026-09-28.
  7. E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, question 'What are the current rates...' (lines 112–116): 0.25% stamping fee and 4% premium tax, both on gross premium and policy fees. Accessed 2026-09-28.
  8. E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, lines 112–118: MWUA nonadmitted policy fee 3% on gross premium and policy fees, excluding residential flood and earthquake. Accessed 2026-09-28.
  9. Insurer FAQs. Mississippi Surplus Lines Association; Current MSLA insurer FAQ, question 'What is a Home State?...' (lines 90–92): defines insured's home state under NRRA; directs no Mississippi reporting if Mississippi is not home state unless 100% of premium is allocated to Mississippi; MS-home-state written premium is reported. Accessed 2026-09-28.
  10. Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: HB 447 removed the diligent-search requirement; on/after July 1, 2017 producers need not conduct a diligent search before placement and bulletin applies to policies quoted/bound on/after that date. Page 2, visually verified: required policy notice states policy is not protected by MIGA upon insurer insolvency; page 2 also withdraws Bulletins 2012-4 and 2015-5. Accessed 2026-09-28.
  11. Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: after HB 447, no general diligent search is required for policies quoted or bound on/after July 1, 2017; not an ECP-only exception. Accessed 2026-09-28.
  12. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  13. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  14. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  15. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  16. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  17. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  18. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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