In Mississippi, all employers with five or more employees are required to carry workers’ compensation insurance. For employers in the construction industry, the requirement applies if they have one or more employees. This coverage can be obtained through a private insurer or by qualifying for self-insurance if the employer meets specific criteria. Sole proprietors and partners are generally excluded from mandatory coverage but have the option to opt-in. Corporate officers and LLC members are also excluded unless they elect to be covered. Mississippi’s system provides injured workers with necessary medical care, wage replacement, and vocational rehabilitation services. The Mississippi Workers’ Compensation Commission oversees compliance, enforcing regulations and imposing penalties on employers who fail to provide the required coverage to protect workers’ rights and benefits.