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Do Employers Have to Provide Workers’ Compensation Coverage in Mississippi?


Do employers have to provide workers’ compensation coverage in Mississippi? According to statistics provided by the Mississippi Department of Employment Security, the annual average of employed Mississippi residents is over 1.1 million people. These employees work across a broad spectrum of industries and provide valuable services to our State. When one of these employees gets hurt at work, the first question that often comes up is whether or not their employer has workers’ compensation coverage insurance. The Mississippi Legislature included specific language in the Mississippi Workers’ Compensation Act that requires compensation coverage if an employer “has in service five or more workmen or operatives regularly in the same business or establishment under any contract of hire, express or implied.”

To determine the number of employees an employer retains, the test is generally to look at the overall size of the employer and whether five or more employees are “regularly” used to operate the business. Even if an employer uses five or more employees, but spreads them out so that they’re not all employed at once, they could still be required to provide workers’ compensation coverage for their employees. Some employers are automatically exempt from providing workers’ compensation coverage to their employees, like non-profit organizations, cultural, fraternal, or religious associations.



If you or a loved one are hurt at work, and you have questions regarding your rights, please call or text Chhabra & Gibbs, P.A., at (601)-948-8005 or contact us through our live chat on our website. We have a team of personal injury lawyers and support staff that are ready to investigate your workers’ compensation claim and fight for your rights. We would love to speak with you and answer any questions you may have about whether or not your employer is required to provide workers’ compensation coverage in Mississippi. There is no fee to discuss your case with you.

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