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Mississippi installer / transporter bonds.
From $250.

Independent installer/transporters of factory-built homes in Mississippi are licensed by the State Fire Marshal’s Office under the Factory-Built Homes Act and must file a surety bond — the Fire Marshal’s regulations set a $25,000 bond. Pricing is 1% of your bond amount — $250 for the $25,000 bond; your exact price appears at the application.

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Required for a MS installer / transporter license through the State Fire Marshal’s Office

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Fire Marshal regulations set a $25,000 surety bond for independent installer/transporters

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Priced by your bond amount — 1% of the bond amount, $250 at $25,000, with a quick soft credit check for approval

From $2501% of bond amountSoft pullnever a hard inquiryFastinstant underwriting for most

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How it works

Three steps to filed.

Enter your amount, consent to one soft credit pull, and file with the State Fire Marshal’s Office. Here is the whole thing:

TODAY · ONLINE

Apply once, online

Business details, the bond amount your license requires, and the effective date — plus a one-time consent to a soft credit pull.

RIGHT AWAY

Approved

Most are approved as soon as you apply. If a credit check runs, it is a soft pull that never affects your score. If it needs a second look, one to two business days at most.

WHEN YOU PAY

E-sign & file with the Fire Marshal’s Office

Pay online and receive the executed bond, ready to file with your installer/transporter license application. Wet-ink originals mailed whenever the office insists.

About this bond

What it is and who needs it.

What the bond actually covers

Mississippi licenses independent installer/transporters of factory-built homes through the State Fire Marshal’s Office under the Factory-Built Homes Act (Miss. Code § 75-49-1 et seq.). The Fire Marshal’s rules and regulations require these licensees to carry a $25,000 surety bond along with general commercial liability coverage.

The bond stands behind your compliance with the Act and protects the public harmed by faulty installation or transport — for example, a home set or moved in violation of the installation standards. Under § 75-49-9, a licensed installer or transporter may not deliver a factory-built home for human habitation without a bond on file.

It is not insurance for you — if the surety pays a claim, you repay the surety. We issue the $25,000 amount (or a higher figure if the Fire Marshal’s Office requires one) at 1% of the bond amount — $250 for $25,000 — with a quick soft credit check that never affects your score.

Miss. Code § 75-49-1 et seq.; State Fire Marshal regulationsUnder Mississippi’s Factory-Built Homes Act (Miss. Code § 75-49-1 et seq.) and the State Fire Marshal’s bonding regulation (19 Miss. Admin. Code Pt. 7, Ch. 4, Rule 4.05(E), amended effective July 1, 2026), an independent installer/transporter of factory-built homes must provide proof of a $25,000 surety bond plus a general commercial liability policy of at least $100,000, and the liability or automobile policy must show that a cargo policy covers the transport of factory-built homes. The $25,000 figure was left unchanged by the 2026 amendment. Confirm the current amount on your license application.

You need this bond if you are

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Applying as an independent installer/transporter of factory-built homes through the Fire Marshal’s Office

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Setting or moving manufactured/modular homes for hire in Mississippi

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Renewing an installer/transporter license that requires the $25,000 bond

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Replacing a bond your prior surety non-renewed

One application, soft pull only.

These are the actual underwriting fields, including a one-time consent to a soft credit pull. Submit once and your bond is issued when you pay.

Start the application →

FAQ

Common questions.

How much is the installer / transporter bond?State Fire Marshal regulations set a $25,000 bond amount (unchanged by the July 1, 2026 amendment that raised the other license classes); the premium is 1% of the bond amount, so the $25,000 bond is $250. If the Fire Marshal’s Office requires a higher bond amount, enter it and your exact price appears at the application.

Who requires this bond?The Mississippi State Fire Marshal’s Office, within the Insurance Department, requires it as a condition of an independent installer/transporter license under the Factory-Built Homes Act.

Do I also need liability insurance?Yes — Rule 4.05 requires an installer/transporter to carry a general commercial liability policy of at least $100,000 in addition to the $25,000 surety bond, and the liability or automobile policy must show that a cargo policy covers the homes you transport. We write the bond; your insurance agent handles the liability and cargo coverage.

Is there a credit check?A quick soft credit check may run — never a hard inquiry, no impact on your score. It informs approval only; the price is 1% of your bond amount — $250 for the $25,000 bond.

What does the bond protect against?Losses to the public from a violation of the Act — for example, a home installed or transported contrary to the installation standards. If a valid claim is paid, you repay the surety.

Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.

How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.

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Installer / transporter bond, issued today.

$250 for the $25,000 bond — 1% of the bond amount. Soft pull only, never a hard inquiry. Enter your amount and file with the Fire Marshal’s Office.

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