Business Details
Your Trusted Insurance Partner in Mississippi
At OakTrust Insurance Agency, we pride ourselves on being a family-oriented insurance provider dedicated to putting your family first. With four locations across the Mississippi Gulf CoastBiloxi, Ocean Springs, Gautier, and Gulfportwe offer personalized insurance solutions tailored to meet the unique needs of our clients. As an independent agency, we represent multiple insurance companies, ensuring that we always act in your best interest. Our team of experienced professionals is committed to providing customization, choice, and superior service, designing personalized insurance programs that are competitively priced.We stand by our promise to be here for you during times of loss, ensuring your claims are settled quickly and fairly. Our mission is to fulfill the promise of insurance: getting you back on your feet when the unexpected occurs. With decades of combined experience, our team leverages industry expertise to guide you through complex insurance decisions. We prioritize transparency, reliability, and ethical standards, ensuring clear communication and client satisfaction. Whether you need auto, home, commercial, or specialized insurance, we are your trusted partner in protecting what matters most.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Inland Marine Insurance
General Liability Insurance
Workers Compensation
Highlights and features
- We work with multiple quality insurance carriers to provide diverse coverage options.
- We treat customers like family, offering personalized support for claims and coverage needs.
- Our team has decades of combined experience in the insurance industry.
- We search multiple carriers to find the most affordable coverage for your situation.
- We offer 24/7 personalized customer support for all your insurance needs.
What people say
Friendly service
Saved money
Quick responses
Personalized attention
Competitive rates
Services
Auto Insurance
Our auto insurance policies protect drivers against liability and physical damage, offering customizable coverage limits. We cater to both standard and non-standard drivers, ensuring competitive rates and comprehensive protection for vehicles, including specialized coverage for high-risk drivers and SR22 filings.
Homeowners Insurance
We provide homeowners insurance that safeguards your property and belongings against perils like fire, theft, and storms. Our policies are designed to offer peace of mind with customizable coverage options, ensuring protection for your home investment and personal assets.
Commercial Insurance
Our commercial insurance solutions protect businesses from risks with tailored policies, including liability coverage, property protection, and workers' compensation. We design programs to fit unique business needs, ensuring continuity and financial security for enterprises of all sizes.
General Liability Insurance
General liability insurance covers legal obligations for injuries or property damage caused to third parties. We offer policies that protect businesses from financial losses due to lawsuits, medical expenses, and repair costs, ensuring compliance and risk mitigation.
Workers Compensation
Workers' compensation insurance provides financial and medical benefits to employees injured on the job. Our policies ensure businesses meet legal requirements while covering medical expenses, lost wages, and rehabilitation costs, fostering a secure work environment.
People
Scott Mosher
Owner/Agent
Scott Mosher, a Biloxi native, combines his computer science background with insurance expertise to enhance customer experiences. He joined OakTrust in 2008, leveraging technology to streamline processes. Scott is married with two daughters and three grandchildren, balancing family life with his passion for sports.
John Russell O'Neal
Co-Owner/Agent
John Russell O'Neal, co-owner since 2017, specializes in property, casualty, and life insurance. With a business degree and LUTCF designation, he actively contributes to professional and community organizations. John is married with a son and enjoys coaching baseball and traveling.
E.J. Hamrick
Owner/Agent
E.J. Hamrick, an owner since 2016, brings over 15 years of insurance experience. A University of Southern Mississippi graduate, he resides in Gulf Hills with his family. E.J. enjoys golf, grilling, and family travel adventures.
Marie Salters
Office Manager
Marie Salters, originally from the UK, has 28 years of bookkeeping experience. She joined OakTrust in 2019 and lives in Ocean Springs with her husband and son. Marie ensures smooth office operations and financial management.
Kevin O'Grady
Licensed Agent
Kevin O'Grady, a Biloxi native, specializes in flood insurance and agent training. With a passion for softball, he brings local expertise to OakTrust, serving clients with personalized insurance solutions.
Questions
How much Auto Insurance coverage do I require?
Most states require minimum liability coverage. Factors like vehicle value, usage, and passenger frequency determine additional coverage needs.
What payment options do you offer?
We accept cash, check, money order, and major credit/debit cards. Automatic monthly drafts are also available.
How can I lower my Auto Insurance rates?
Options include raising deductibles, bundling policies, maintaining a clean driving record, and qualifying for multi-car or safe driver discounts.
Are other drivers covered under my policy?
Most policies cover permissive drivers, but specifics depend on your coverage terms. Contact us for details on your policy.
What does General Liability Insurance cover?
It covers medical expenses, attorney fees, and damages if you're legally responsible for injuries or property damage to others.
Can I get a multi-policy discount?
Yes! Bundling home, auto, or commercial policies with OakTrust qualifies you for significant multi-policy discounts.
