WHAT WE OFFER
TRUST THE PROFESSIONALS AT PEARSON INSURANCE COMPANY
Auto Insurance
Auto Insurance Quote Forms
Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
- Add Driver to Existing Auto Policy
- Add Vehicle to Existing Auto Policy
- Auto Accident Claim
- Remove Vehicle from Existing Auto Policy
- Request ID Card for Auto Policy
Auto Insurance Information
What is auto insurance?
Auto accidents can happen, even to the best of us. An auto insurance policy can help cover the repairs to your vehicle and medical costs in the event of an accident. It can also protect you should you be found at fault for property damage and injuries to other people.
What are the coverages? Click the links for more detailed explanations.
- Bodily Injury & Liability provides protection if you injure or kill someone while operating your car.
- Property Damage Liability provides protection if your car damages someone else's car or property.
- Medical Payments pays for the medical expenses for you and your passengers if hurt in an accident.
- Uninsured Motorists Coverage pays for your injuries caused by an uninsured driver, or a hit-and-run driver. In Mississippi, there is also coverage for damage to your vehicle.
- Comprehensive Coverage pays for losses resulting from incidents other than collision. For example, claims involving: deer; theft, vandalism, flood, hail or fire.
- Collision Coverage pays for damage to your car when your hits, or is hit by, another vehicle or object.
- Roadside Assistance- depending on the company, this could cover a tow or a could cover everything from a flat tire, to running out of gas, to locking your keys in your car.
- Rental Reimbursement- provides you with a rental car while your vehicle is in the shop due to a covered claim.
Questions you may have for us:
Agents at Pearson & Company Insurance
are advocates for finding auto insurance that meets our customers' specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can you afford to pay if you get in an accident? To keep insurance premiums low you may want to have a higher deductible and be willing to pay more for repairs if you ever have an accident. Should you carry full coverage? We work with multiple carriers and will also make sure you are getting the best rates available for the coverage you need.
- What is the insurance company's level of service and ability to pay claims? Pearson & Company Insurance is here for your every step of the claim's process. Every insurance company that we work with has at least an "A" rating or better from A.M. Best. You will never have to worry about one our companies being unable to fulfill their claims obligation to you.
- What discounts are available?
- Multi-Line- save money and hassle by having all of your insurance in one place: autos, homes, boats, motorcycles, ATVs, rental property, and life insurance.
- Telematics- insurance companies want to insure good drivers, and they are willing to give good drivers huge discounts- up to 30%! Telematics devices track your driving habits, and the better driver you are, the bigger discount you get.
- Pay In Full- you can get a discount, and save on installment fees by paying in full.
- Bank Draft- most companies offer a discount and lower installment fees for having your premium automatically draft each month.
- Paperless- access your policy on your computer, cell phone, or tablet and save money by going paperless.
- Multi-Car- have all of your vehicles on the same policy to save money.
- Homeowner- be sure to let your agent know that you own your own home for a savings
- Good Student Discount- available if your child has a "B" average or better
- Driver's Safety Class- available for teenagers and seniors over 55 years old who have taken a driver's safety class.
- Affinity Discount- companies partner with organizations to offer discounts for their members
- What's the procedure for filing and settling a claim?
- Pearson & Company Insurance customers can always call our office when they need to file a claim. If it is after hours, there is a claim's phone number on your auto ID card that you can call to file the claim.
- Check out more auto insurance FAQs on our blog.
- Why do you need auto insurance? It's really all about protecting yourself financially.
- If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
- Call the experts at Pearson & Company Insurance today for your free quote.
Boat Insurance
Watercraft & Boat Insurance
Watercraft & Boat insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
- Add Watercraft to Existing Policy
- Change Primary Operator on Existing Watercraft Policy
- Remove Watercraft from Existing Policy
- Request Declaration and Coverages Page for Watercraft Policy
- Request ID Card for Watercraft Policy
- Watercraft Accident Claim
Watercraft & Boat Insurance Information
Pearson & Company Insurance, located in Meridian, MS, works with several of the best insurance companies. We are guaranteed to find you the coverage you need for the best price available. Whether you're boating in Okatibbee Lake or Lake Eddins, at Dalewood or on the Chunky River, or fishing at your favorite spot- we've got you covered in MS and AL.
Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be extremely expensive.
- If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.
- How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
- Is my boat or watercraft covered for use year-round?
- What discounts and programs are available?
- How much medical insurance and liability coverage is enough?
- Are my contents inside my boat covered?
- Do I have coverage if I need to have my boat towed in an emergency?
- What's the process for filing and settling a claim?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
The personal watercraft policy covers:
- bodily injury
- property damage
- guest passenger liability
- medical payments
- theft
Additional coverage can also be purchased for trailers and other accessories.
Business Insurance
Business & Commercial Insurance Information
Pearson & Company Insurance partners with multiple companies to find the best coverage for your business. We serve Meridian, Newton, Philadelphia, Quitman, Enterprise, Stonewall and the surrounding areas in East MS and West AL.
Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.
In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.
Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries
Church Insurance
Church Insurance Information
Insurance designed to protect your ministry, your church property and your church liability.
Pearson & Company Insurance partners with GuideOne Insurance to provide comprehensive insurance coverage that addresses the unique needs of churches, synagogues, and other houses of worship. GuideOne's risk management solutions allow you to practice your faith with confidence.
- Industry-leading FaithGaurd Church insurance package
- Additional coverages to customize your level of protection
- Safety resources to help you identify and reduce areas of risk
- Additional services, including Benefit Plans and Group Affiliated Program
- Construction Services to help you rebuild after damage or add on to existing facilities
- Church Property Insurance Coverage
- Church Liability Insurance Coverage
- Coverage for stained glass windows
Pearson & Company Insurance has been serving Meridian, MS, and the surrounding east Mississippi and west Alabama community for over 20 years. We have chosen to partner with GuideOne Insurance for church property and liability insurance protection because GuideOne developed the nation's first multi-peril package policy for churches in 1962. Today, GuideOne insures over 46,000 houses of worship across the United States. They were the first to write an insurance policy specifically focused on churches and they have stayed the leader in the industry.
Pearson & Company Insurance has been partnered with GuideOne for over 20 years. Our experience and expertise ensures that you're putting your faith with the experts. Call today to speak with one of the experts at Pearson & Company Insurance.
Flood Insurance
Flood Insurance Information
There's something you should know: Flood losses are not covered by your homeowners insurance policy. Pearson & Company Insurance can insure your home against flood losses if you live in Meridian, Newton, Philadelphia, Quitman and the surrounding area in Mississippi.
Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Buy flood insurance and stay protected no matter what. When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.
In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood. Contact Pearson & Company Insurance for a quote on your home today.
Read our blog post here that answers lots of common questions on flood insurance.
Stay prepared, read our tips for preparing for flood season.
Home Insurance
Homeowners Insurance Information
Whether you're a new homeowner or have lived in your house for years, we know how important your home is to you. Homeowner's insurance doesn't just protect your house and property, it also protects your belongings, yourself, and your guests. You've put a lot of hard work into providing a home for yourself and your family. Talk with Pearson & Company Insurance for personal advice on the best combination of homeowners insurance coverage, value, and price to protect your hard earned investment. We serve Meridian, Collinsville, Newton, Philadelphia, Quitman, Enterprise and the surrounding areas in East MS and West AL.
What is Homeowners insurance?
Homeowner's insurance protects one of life's biggest investments. Should a tree fall through your roof or a fire break out in the kitchen, insurance for your home helps cover the cost to repair or rebuild. It may also cover other buildings on your property like a garden gazebo or storage shed.
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
Things to consider when purchasing homeowner's insurance. Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? Is your policy replacement cost or actual cash value?
- What discounts are available?
- What's the process for filing and settling a claim?
Life Insurance
We, at Pearson & Company Insurance, would be glad to have a conversation about your family's needs and what time of life insurance best suits those needs. We are located in Meridian, MS and serve the East Mississippi and West Alabama area.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and whole life insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent whole life insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. The best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional. Contact the experts at Pearson & Company Insurance today to discuss your options.
Motorcycle Insurance
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or a passenger is injured in an accident, medical costs can be extremely expensive.
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Tips for the cost-conscious rider
- Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
- Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
- Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
- Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Non Profit Insurance
Just like businesses protect their assets with insurance, nonprofits should do the same. Non-profit organizations are all unique in their operations. While some work to preserve wildlife, others care for the elderly. What if a sudden fire burned down your headquarters? What would happen to the people, animals or environments your nonprofit serves? Pearson & Company Insurance works with many nonprofits in Meridian, East MS, and West AL protecting their missions.
What are the benefits of nonprofit insurance?
Nonprofits often function on a tight budget. This makes getting insurance important as a large, unexpected expense can be detrimental. A good nonprofit insurance policy will have the right balance of price and coverage
What types of insurance should a nonprofit get?
There are many types of insurance for nonprofits. Here are some common types of nonprofit insurance. Keep in mind this is a list of the different types. Because every nonprofit is different, we can help you determine which coverage best fits your needs.
- General liability insurance protects against injury and property damage to third parties. This can include visitors, customers, suppliers or associates. Employees are often covered separately by worker’s compensation.
- Property insurance protects your assets in the event of a fire, disaster or vandalism. These assets can include the building, fixtures, equipment, machinery, furniture, computers, inventory and supplies.
- Auto insurance covers injuries from an accident involving your staff or volunteers using any car, including their own, for nonprofit activities.
- Product liability insurance protects your nonprofit in the event of a lawsuit claiming your product is unsafe or defective.
- Directors and officers insurance protects the members of your board of directors and your officers in the event of a lawsuit alleging fraud or financial mismanagement.
- Professional liability insurance protects against claims of mismanagement and workplace incidents like discrimination or sexual harassment.
- Workers’ compensation compensates employees for medical expenses and lost wages after an on-the-job injury.
Contact us for a customized evaluation of your nonprofit’s needs. We will search for the right coverage to fit your needs and budget so you can keep working to better the community.
Pet Insurance
What is pet insurance?
Pets are a part of our families. We want to do what we can to keep them healthy. If your pet becomes ill or has an accident, it could cost hundreds or thousands of dollars for treatment. Pet insurance helps with veterinary costs when your pet needs treatment. It can lower your out-of-pocket costs so you can avoid a financial crisis while keeping your pet healthy.
What are the benefits of pet insurance?
Many people think that elderly pets need the most veterinary care. But, research shows that young pets are more likely to need unexpected treatment. After all, young, rambunctious pets have a way of getting into trouble. With pet insurance you do not have to choose between paying a vet bill and paying the electric bill.
Medical advancements have made treating pets much more effective. This means that the right care can increase your pet’s lifespan. Most policies cover diagnostic testing, dental treatment, prescription medications and more.
Get started today!
Pets are part of the family. We understand how much joy you get from yours. Contact us at (601) 482-6699 to learn more about pet insurance and how it can help with expensive veterinarian visits, or you can use the tool above to quote a policy for your pets.
Recreational Vehicle Insurance
Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities and medical bills. Pearson & Company Insurance, located in Meridian, MS, works with multiple insurance carriers, so we are guaranteed to find you the best rate in East Mississippi and West Alabama.
Liability Insurance for Recreational Vehicles
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.
Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.
Property Coverage
After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.
In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.
Rental Property Insurance
What is rental property insurance?
Rental Property Insurance is for landlords who rent properties to tenants. Landlord insurance provides coverage for property owners renting out one or more residential homes, apartments, or condos. As a landlord, you need protection from financial loss that may result from damages to a rental property due to fire, break-in, severe weather and more.
We've got you covered!
Choices- as a landlord you can choose a package that fits your rental property or create your own customized policy. You choose what fits with your needs.
Actual Cash Value- in the event of a covered loss, this covers the cost to replace or repair your damaged property, with deduction for depreciation, which reflects the age and condition of your home.
Optional Replacement Cost- purchasing this coverage ensures a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without an deduction for depreciation.
Liability Coverage- this provides coverage fi you're found legally responsible for an accident that causes injury or property damage to someone who doesn't live in your home. It covers costs like medical bills, lost wages, and property damage.
We also offer choices for:
- Loss of Rents
- Personal Injury
- Business Property and Liability
- Repair Cost
- Water Damage from Sewers and Drains
- High Liability Limits
Our agents are ready to assist you. We search our network of insurance providers on your behalf to find the best combination of policy and price. Contact us for a quote on your rental property located in Mississippi or Alabama.
Renters Insurance
Just because you don't own a house, does not mean that you cannot have insurance.
Pearson & Company Insurance can help you protect your belongings and your liability. We are located in Meridian, MS and serve the Mississippi and Alabama area.
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. Renter's insurance covers more than just your belongings, read our blog post "Understanding Renter's Insurance" to learn about all of the protection renter's insurance provides.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away from your home.
If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Contact Pearson & Company Insurance for your free quote today.