Workers Comp Cost in Mississippi
2026 rates — mandatory for most Mississippi employers
Calculate Your Mississippi Workers Comp Cost
Workers Comp Rates by Industry — Mississippi 2026
| Industry Class | Risk Level | Rate / $100 payroll |
|---|---|---|
| Clerical / Office (8810) | Very Low | $0.20 – $0.45 |
| Retail / Wholesale (8017–8018) | Low | $0.80 – $2.00 |
| Restaurant / Food Service (9082) | Moderate | $1.50 – $3.50 |
| Light Manufacturing (3632) | Moderate | $2.00 – $5.00 |
| Trucking / Delivery (7219–7231) | High | $4.00 – $8.00 |
| Construction / Carpentry (5645) | High | $5.00 – $12.00 |
| Roofing (5551) | Very High | $8.00 – $18.00 |
Rates are advisory/illustrative. Actual Mississippi rates vary by carrier, your specific class codes, and Experience Mod.
Workers Comp in Mississippi — Key Facts
1. Mississippi Requirement & Market
Mandatory: YES — required for employers in Mississippi (check specific employee count thresholds)
Market: Private market (NCCI rates)
Mississippi uses NCCI (National Council on Compensation Insurance) for class code rate guidance. Workers' comp costs in Mississippi are below the national average. Compare multiple carriers for the best rates — differences of 20–40% for the same class code are common.
2. Top Cost Tips for Mississippi
Mississippi employers: (1) verify your class codes are correctly assigned — misclassification is common and can significantly inflate premiums; (2) implement a documented safety program — this qualifies for premium credits with many carriers; (3) pay-as-you-go workers' comp eliminates large audit surprises.
Compare Workers Comp Quotes in Mississippi
Rates vary 20–40% between carriers for identical coverage. Compare before your next renewal.
Mississippi Workers Comp Summary
- →Avg rate: $1.20 per $100 payroll
- →$500K payroll: ~$6,000/yr avg risk
- →Cost vs national: below average
- →Mandatory: Yes