Serving Meridian from our office in Flowood
Contractors Insurance in Meridian, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Meridian, MS
In plain English
Who is Scott Insurance Services in Meridian?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. We serve Meridian from that one office, as we do across Mississippi, by phone, email and in person when it helps. We write car and home insurance in Meridian, plus contractors and business insurance.
We have no office in Meridian. We serve it, and the rest of Mississippi, from Flowood.
We write for families, contractors and small business owners, and we can quote your home and your business.
What car insurance does Mississippi require?
At least 25/50/25 in liability coverage. That means $25,000 for one person's injuries and $50,000 for all injuries in one accident. It also means $25,000 for damage to property. The Mississippi Insurance Department says the minimum may not be enough. We write auto insurance for Meridian drivers.
In 2023, about 28 percent of Mississippi drivers were uninsured, the highest rate in the country. Uninsured motorist coverage is for that risk. A Mississippi auto policy must include it unless you turn it down in writing on an approved form. Mississippi is a fault-based state, not a no-fault state. These figures were checked in October 2026.
What insurance do Meridian homeowners need?
We write homeowners insurance and personal umbrella insurance for Meridian families. The median owner-occupied home in Meridian was valued at $107,900 in the Census Bureau's 2020 to 2024 survey. Whatever your home is worth, ask whether your policy pays replacement cost, which is what it would cost to rebuild new. Actual cash value takes off for wear and age. Review your limits at every renewal.
A standard homeowners policy covers damage from wind and hail, but not flood. There is no separate hurricane policy. Flood needs a flood insurance policy of its own. You do not need to live in a floodplain to buy one. If your home is in a high-risk flood area and you have a government-backed mortgage, flood insurance is required. A flood policy usually starts 30 days after you buy. There is no wait if you buy while making, increasing, extending or renewing a mortgage. If a new flood map puts you in a high-risk zone, the wait is one day when you buy within 12 months of that change.
Mississippi law requires insurers to give discounts for homes built or upgraded to IBHS standards. Insurers have filed discounts of 15 to 30 percent with the state. These figures were checked in October 2026.
What insurance do Meridian contractors need?
Most businesses need at least four kinds of coverage: property, liability, business vehicles and workers comp. For a contractor, ask us about general liability, commercial auto, workers comp and coverage for tools. General liability does not cover damage to your own property. Tools and equipment are covered by a contractors equipment policy, a type of inland marine coverage.
The Mississippi State Board of Contractors requires every active license holder to keep proof of general liability insurance. A state license is needed for commercial work over $50,000 and for new homes over $50,000. Remodeling or roofing an existing home needs one over $10,000. On home projects of any size, electrical, plumbing, HVAC and mechanical subcontractors need a state license no matter how small their part of the job. Commercial license applicants must show at least $300,000 per occurrence and $600,000 aggregate. We also write surety bonds, and our contractors insurance page has more. These figures were checked in October 2026.
What other business insurance do we write in Meridian?
We write business insurance across Mississippi from our Flowood office. These are some of the lines we offer business owners.
- Business owners policy for small shops and offices
- Auto shop insurance for repair shops
- Church insurance for congregations
- Hospitality insurance for hotels and restaurants
- Storage facility insurance for self-storage owners
If you just want the basics, we will tell you whether a business owners policy fits. A standard business owners policy does not cover a customer's car in your shop. Garagekeepers coverage is built for that.
Mississippi requires workers comp once you regularly employ five or more people. Under five, it is optional. Nonprofit charitable, fraternal, cultural and religious organizations, domestic servants, farmers and farm labor are exempt. These figures were checked in October 2026.
We serve Meridian from our Flowood office
Scott Insurance Services
579 Lakeland East Drive, Suite A
Flowood, MS 39232
Phone: (601) 362-6911
Office Hours
- Monday: 8:00 AM to 4:30 PM
- Tuesday: 8:00 AM to 4:30 PM
- Wednesday: 8:00 AM to 4:30 PM
- Thursday: 8:00 AM to 4:30 PM
- Friday: 8:00 AM to 4:30 PM
- Saturday: Closed
- Sunday: Closed
Meridian is the county seat of Lauderdale County. About 33,370 people lived in Meridian in July 2025, by the Census Bureau's estimate. The Secretary of State's 2020 to 2024 Blue Book says nearly 3,000 military, civilians and contractors work at Naval Air Station Meridian. The same book puts the base's economic impact on the community around it at $430 million a year.
Flowood is our only office. We serve Meridian and the rest of Mississippi from here.
Why use an independent agent in Meridian?
An independent agent can quote more than one insurance company, so you can compare rates without any pressure. We also help match the policy wording to how you actually live and work.
Cheaper is not always better. We lay the quotes side by side, so you can weigh price against coverage. The aim is to save money while keeping the coverage you need. If any agent, us included, tells you something is covered, ask for that answer in writing, and ask for an endorsement when it matters.
Questions Meridian families and business owners ask about insurance
Do you have an office in Meridian?
No. Our only office is in Flowood. We serve Meridian by phone, email and in person when it helps.
Can I get a quote without driving to Flowood?
Yes. We can quote by phone or email. If you would rather meet in person, call us and we will set a time.
Is the state minimum enough car insurance?
The Mississippi Insurance Department says the 25/50/25 minimum may not be enough. In 2023, about 28 percent of Mississippi drivers were uninsured. Your policy must include uninsured motorist coverage unless you turn it down in writing on an approved form. These figures were checked in October 2026.
Does my homeowners policy cover flood?
No. A standard homeowners policy covers wind and hail but not flood, so flood needs its own policy. A flood policy usually starts 30 days after you buy. There is no wait if you buy while making, increasing, extending or renewing a mortgage. If a new flood map puts you in a high-risk zone, the wait is one day when you buy within 12 months of that change. These figures were checked in October 2026.
Does a Mississippi contractor need general liability to get licensed?
Yes, to hold an active license. The Mississippi State Board of Contractors requires every active license holder to keep proof of general liability. Commercial applicants must show at least $300,000 per occurrence and $600,000 aggregate. These figures were checked in October 2026.
How many employees before workers comp is required in Mississippi?
Five. Employers who regularly employ five or more workers must carry workers comp, and under five it is optional. Nonprofit charitable, fraternal, cultural and religious organizations, domestic servants, farmers and farm labor are exempt. These figures were checked in October 2026.
How does it work from our Flowood office?
You call or email us and tell us what you want to protect. We ask about your cars, your home or your business, and what any lender or contract requires. The paperwork can be detailed, so we walk you through the parts that matter to you. That way you understand what you are paying for. Then we quote more than one insurance company and set up the policy you choose.
Talk to us about Meridian coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Meridian and all of Mississippi.