Mississippi carriers haul a lot of the Gulf South’s timber, poultry, and port freight, and our Jasper, Alabama, office is just across the state line. We help Mississippi owner-operators and fleets get coverage that fits how they actually run.

Where Mississippi carriers run

I-55 runs north–south from Memphis through Jackson toward New Orleans.
I-20 crosses central Mississippi, linking Alabama and Louisiana through Jackson.
I-59 runs from Meridian through Hattiesburg toward New Orleans.
I-10 follows the Gulf Coast through Gulfport and Biloxi.
I-22 connects northeast Mississippi to Birmingham and Memphis.
The Port of Gulfport and the state’s Mississippi River ports move containers and bulk freight.

Your lanes affect your insurance. Underwriters look at where your trucks are garaged, your radius, and the states you run, so tell us how you actually operate, not just where you’re based.

What Mississippi carriers haul

Mississippi freight includes timber, logs, and wood products, poultry and agricultural loads, manufactured goods and automotive freight, and port and river freight along the Gulf Coast and the Mississippi River.

What you haul drives your cargo coverage. Some commodities are excluded or limited on many cargo policies, and refrigerated freight usually needs reefer breakdown coverage. We match the policy to your freight.

Coverage for Mississippi trucking operations

Primary auto liability — Meets FMCSA requirements and your contract limits.
Motor truck cargo — Written for the freight you haul and the limits your brokers require.
Physical damage — For your tractors and trailers, with lender requirements met.
Non-trucking liability and bobtail — For leased-on owner-operators.
Also available: general liability, trailer interchange, occupational accident, workers’ compensation, and umbrella or excess.

We work with owner-operators, leased owner-operators, small fleets, long-haul carriers, and new authorities in Mississippi.

Federal and Mississippi requirements

Interstate carriers: For-hire interstate carriers hauling non-hazardous freight in vehicles of 10,001 pounds GVWR or more must carry at least $750,000 in liability, filed by the insurer with FMCSA. Carriers of certain hazardous materials need $1,000,000, and carriers of explosives, poison gas, or radioactive materials need $5,000,000. Many brokers and shippers require $1,000,000 regardless.

Intrastate carriers: If you run only within Mississippi, state rules decide whether you need a USDOT number and what insurance must be on file with the state. Tell us you’re intrastate-only and we’ll confirm the current Mississippi requirements before you bind.