General Liability
Covers injury and damage your business causes to others — a customer who slips in your shop, damage at a client’s site — including the cost of defending you.
Commercial Coverage
employees, and Mississippi requires most businesses to carry workers’ compensation. It’s one of the few commercial lines the law doesn’t leave up to you.
About Commercial Coverage
Protecting Local Businesses, Powering Local Dreams
Running a business takes dedication, hard work, and smart decisions. Commercial insurance gives businesses the security to operate with confidence, knowing they’re covered when it counts. At Advanced Solutions, we’re proud to support businesses in our community with policies that fit just right.
- Repairs or replaces your building, equipment and inventory after a covered loss
- Defends you and pays if a customer or another business holds you responsible
- Replaces lost income while you’re closed after a fire or storm
- Covers your employees if they’re hurt on the job
Coverage Explained
What’s In A Commercial Policy
Commercial insurance isn’t one policy so much as a set of them, and most small businesses need four or five. These are the six that come up on almost every first call.
Commercial Property
Your building if you own it, plus equipment, furniture and inventory, against fire, theft, wind and other covered losses. Renting? Your lease may still require it.
Business Owner’s Policy
General liability and property packaged together, usually for less than buying them separately. For most small businesses, it’s the place to start.
Workers’ Compensation
Medical bills and lost wages for employees hurt on the job. Required for most Mississippi businesses with five or more employees.
Commercial Auto
Vehicles your business owns or uses. A personal auto policy usually won’t cover a vehicle used mainly for work, and state liability minimums still apply.
Business Interruption
Replaces lost income and keeps paying rent and payroll while you’re closed after a covered loss. After a hurricane, it’s often what decides whether a business reopens.
Not sure what your business needs? Tell us what you do and we’ll put the list together
Why Us
Why Buy It Here
The policy is only half of it. The other half is who reads it with you, who picks up when you call, and whether anyone reviews it again as your business grows.
Independent, Not Captive
We don’t work for one carrier. We work for you — and we can move you when a carrier stops being the right fit.
Over 100 Markets
One conversation puts your risk in front of more than a hundred markets instead of a single company’s rate table.
We Shop, You Don’t
You give us one set of details once. We handle the comparing, the follow-up and the review at renewal.
Local, Business-Minded
Our office is on Government Street in Ocean Springs, among the businesses we insure. Hurricane season and seasonal trade aren’t special cases here — they’re part of every commercial policy we write.
FAQ
Business Questions We Get
The five that come up most on a first call. If yours isn’t here, call the office — you will get a plain answer, not a sales pitch.
What insurance does my business legally need?
In Mississippi, two lines are the usual legal requirements: workers’ compensation once you regularly employ five or more people, and auto liability on any vehicle the business puts on the road. Beyond that, most requirements come from contracts — landlords, lenders and clients often write insurance minimums into their agreements.
What’s the difference between general and professional liability?
General liability covers physical harm — someone hurt on your premises, property you damage. Professional liability, also called errors and omissions, covers the work itself: a mistake or bad advice that costs a client money. Anyone selling expertise usually needs both.
Do I need property insurance if I rent my space?
Usually, yes. Your landlord’s policy covers the building, not your equipment, your inventory or the improvements you’ve paid for. Many commercial leases also require you to carry liability and name the landlord on it.
Does business interruption cover a hurricane?
It can, if the storm causes covered physical damage to your property — usually after a waiting period of 48 to 72 hours. Standard business income forms also include civil authority coverage, which can pay for a limited time when authorities bar access to your premises because of storm damage nearby, even if your own building is untouched. A precautionary evacuation ordered before any damage generally won’t trigger it. Read that section before June.
Do I need cyber insurance?
If you take card payments, store customer information or depend on computers to operate, it’s worth pricing. It covers the cost of a data breach or ransomware attack — notification, recovery and liability — which general liability usually excludes.
Let Us Help
Ready To Get Started?
Tell us about your business and we’ll build coverage around how you actually operate.
Request Your Quote