Mississippi’s general intrastate rule adopts the federal Part 387 floor — but companies on the CTAC Tow List face higher figures: liability of at least $1,000,000, plus $250,000 on-hook and $250,000 garagekeepers. The state sets no general statewide on-hook or garagekeepers minimum.
Law: Miss. Code §§ 77-7-83, 77-7-85; § 63-15-3(j); CTAC Manual Rule 9(B), official DPS copy Ver. 1.5 (published 4.6.26) · CTAC Manual Rule 9(C), official DPS copy Ver. 1.5 · CTAC Manual Rule 9(D) (official DPS copy, Ver. 1.5) · Miss. Code §§ 77-7-83, 77-7-85, 77-7-89; CTAC Manual Rule 9(A), official DPS copy Ver. 1.5
CTAC Manual Rule 9 figures confirmed from the official DPS copy (Ver. 1.5, published 4.6.26). § 77-7-23 is rulemaking authorization only — no commission rule setting a dollar amount for restricted carriers exists in the codified Admin Code (Title 37, Part 1, Subpart 6301 contains only Over-Dimensional Permits); the Part 387 floor comes from §§ 77-7-83/85. No cargo insurance minimum for tow operators; MDOT's $5,000/$10,000 cargo figures apply to household-goods/passenger Certificate carriers only. No $50k/$100k/$300k weight tiers appear in any Mississippi source read. Discrepancy disclosed: the manual's appendix inspection checklist (Section III. INSURANCE) still asks whether on-hook and garagekeepers limits are at least $500,000, inconsistent with Rule 9's $250,000 minimums. Rule 9 is the operative rule and controls; the checklist appears not to have been updated when Rule 9(C), (D) were modified in Ver. 1.4 (01/21/26). A CTAC inspector may still ask about $500,000 at inspection. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Mississippi →Independent-contractor test: Statutory definition + case-law control / relative-nature-of-work test. Miss. Code Ann. § 71-3-3(d) excludes "all independent contractors" from "employee"; § 71-3-3(r) defines IC. Courts apply a control test and a relative-nature-of-work / nature-of-work analysis.
Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
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Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.