Workers' comp in Mississippi.
Mississippi requires workers' comp from 5 employees, with conditions. Class codes follow NCCI's manual, with Mississippi's exceptions. You buy coverage from carriers.
- REQUIRED
- From 5 employees, with conditions
- RATING BUREAU
- NCCI
- CLASS CODES
- NCCI codes
- BUY FROM
- Carriers
Required from 5 employees, with conditions.
The rule
Mississippi requires workers' comp from 5 employees. Mississippi's rule: five or more workmen or operatives regularly in the same business or in or about the same establishment; owners who elect out (sole proprietor, partner, 15%+ stockholder) are not counted. Whether employees in other states count toward it: not confirmed.
Source: Miss. Code Ann. §71-3-5, Application, and §71-3-75, Security for payment of compensation (Mississippi Code 1972 Annotated, public access), checked October 5, 2026.
Coverage rules: Miss. Code Ann. §71-3-5, Application (Mississippi Code 1972 Annotated, public access), checked October 6, 2026.
Class codes follow NCCI's manual, with Mississippi's exceptions.
Rating bureau
NCCI is Mississippi's rating organization.
Class system
NCCI's codes, with Mississippi's exceptions.
Codes on our pages
Not confirmed for Mississippi: NCCI states use NCCI's codes with their own exceptions. An advisor confirms your class codes.
List: NCCI State Map: NCCI, independent bureau and monopolistic states, read from an archived copy dated September 29, 2026; not confirmed for the codes on our pages.
Your payroll, your rate, before discounts and assessments.
Your rate comes from carriers that actively write the class.
Worklio Insurance bills pay-as-you-go comp with each payroll, no deposit; the audit usually confirms what you've already paid.
COMMON QUESTIONS
- Do I need workers' comp in Mississippi?
- Yes. Mississippi requires workers' comp from 5 employees. Mississippi's rule: five or more workmen or operatives regularly in the same business or in or about the same establishment; owners who elect out (sole proprietor, partner, 15%+ stockholder) are not counted. Whether employees in other states count toward it: not confirmed.
- Who sets class codes in Mississippi?
- NCCI, as Mississippi's rating organization. Class codes follow NCCI's manual, with Mississippi's exceptions. An advisor confirms your class codes.
- Is Worklio Insurance licensed in Mississippi?
- Worklio Insurance Services LLC's producer is licensed in Mississippi, and the agency license there has been applied for. See insurance licenses
SOURCES
- Miss. Code Ann. §71-3-5, Application, and §71-3-75, Security for payment of compensation (Mississippi Code 1972 Annotated, public access)Who must carry it, coverage rules, checked October 5, 2026.
- NCCI State Map: NCCI, independent bureau and monopolistic statesRating bureau, class system, class codes (not confirmed), read from an archived copy dated September 29, 2026.
Figures as of September 29, 2026.
For planning, not a quote or a classification ruling. An advisor confirms your class codes with your carrier.