Skip to content

Mississippicontractor insurance & bonding requirements

Updated April 2026 · Source: MS State Board of Contractors §31-3

Minimum requirements

General liability
$500,000
Workers' comp
Required for crews
Source: MS State Board of Contractors §31-3 →

Licensed general contractors in Mississippicarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.

Projects <$50K exempt. Financial statement at application; no fixed bond.

Common questions

What insurance does a Mississippi general contractor need?

A Mississippi general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per MS State Board of Contractors §31-3.

How much is the surety bond for Mississippi contractors?

Mississippi does not require a state-level surety bond for general contractors. Projects <$50K exempt. Financial statement at application; no fixed bond.

Who is the licensing authority in Mississippi?

MS State Board of Contractors §31-3 is the authority for Mississippi contractor oversight. Public license lookup is available at https://www.msboc.us/.

How does AskBaily verify contractors in Mississippi?

AskBaily runs automated verification against MS State Board of Contractors §31-3 before a contractor is matched to a homeowner project. The pro's license number is validated live at signup.

What happens if a contractor doesn't carry the required insurance?

Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Mississippi can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under MS State Board of Contractors §31-3. That's why AskBaily's policy is to match only verified pros.

Nearby jurisdictions

Ready to join AskBaily as a Mississippi general contractor?

Start your application →