Serving Tupelo from our office in Flowood
Contractors Insurance in Tupelo, Mississippi
- Since 1954
- Independent agency
- Office in Flowood, MS
- Serving Tupelo, MS
In plain English
Who is Scott Insurance Services in Tupelo?
Scott Insurance Services is an independent insurance agency in Flowood, Mississippi, established in 1954. We serve Tupelo from that one office, across Mississippi, by phone, email and in person when it helps. We write business insurance for Tupelo companies, and car and home insurance for Tupelo families.
We have no office in Tupelo. Flowood is our only office.
We write for plants, suppliers, wholesalers, small business owners and families.
What do we write for Tupelo manufacturers, suppliers and wholesalers?
Toyota builds the Corolla at its plant in Blue Springs, near Tupelo, with a team of 2,400. The company says it and its suppliers have created nearly 4,000 jobs in Mississippi.
We write manufacturing insurance and wholesalers insurance for plants, suppliers and distributors. The NAIC says a factory usually needs more customized coverage than a standard business owners policy.
The products part of a general liability policy can cover injury or damage your product causes away from your premises. Product liability can also be bought as a stand-alone policy. The standard policy does not cover a recall, but a product withdrawal endorsement can add it.
A distributor can be liable for a product it only sells, depending on the circumstances. A vendors endorsement can add you as an additional insured on the maker's general liability policy, for the products it lists. Many personal auto policies exclude a vehicle used mainly for business, so ask us about commercial auto.
What other business insurance do we write in Tupelo?
We write business insurance across Mississippi from our Flowood office. These are some of the lines Tupelo owners ask about.
- Contractors insurance for builders and trades
- General liability insurance for claims from customers and visitors
- Business owners policy for small shops and offices
- Church insurance for congregations
- Hospitality insurance for hotels and restaurants
- Auto shop insurance and storage facility insurance
If you just want the basics, we will tell you whether a business owners policy fits. 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.
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 Tupelo 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.
Does homeowners insurance cover storms and flooding in Tupelo?
A standard homeowners insurance policy covers 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 flood insurance. 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.
We serve Tupelo 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
Tupelo is the county seat of Lee County. About 38,087 people lived in Tupelo in July 2025, by the Census Bureau's estimate.
Flowood is our only office. We serve Tupelo and the rest of Mississippi from here.
Why use an independent agent in Tupelo?
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 Tupelo families and business owners ask about insurance
Do you have an office in Tupelo?
No. Our only office is in Flowood. We serve Tupelo 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.
Can a supplier be liable for a product it did not make?
Yes, depending on the circumstances. Even a business that only sells or distributes a product can be liable. The products part of a general liability policy can cover injury your product causes away from your premises.
Does a Tupelo contractor need a state license?
It depends on the job and its dollar amount. 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. 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.
Can you insure both my business and my home?
Yes. We write business insurance as well as homeowners, auto and umbrella insurance. If you want both covered, we can quote both.
How does it work from our Flowood office?
You call or email us and tell us what you want to protect. We ask what your business makes or sells, what you drive and what any 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 Tupelo coverage
Call us at (601) 362-6911 or ask for a quote online. Our office is in Flowood, and we serve Tupelo and all of Mississippi.