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MississippiHB 16112025 Regular SessionHouseWALLET

Property and casualty insurance coverage; require 45-day notice before change in coverage of.

Sponsored By: Kevin Ford (Republican)

Signed by Governor

Insurance

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 3 benefits, 0 costs, 0 mixed.

Keep insurance when required notice fails

Beginning July 1, 2026, named policyholders can keep affected insurance when their insurer fails to give required notice. This protection covers affected property and casualty, auto, and workers’ compensation policies. Coverage stays at the existing premium for the rest of the required notice period plus 45 days. It then continues in 45-day periods until the insurer provides proper notice.

More warning before insurance coverage changes

For policies issued or renewed starting July 1, 2026, Mississippi generally requires 45 days’ notice instead of 30. For liability, fire, and single-premium multiperil insurance, this covers renewal, cancellation, reduced coverage, and nonrenewal. Notices go to the policyholder and any creditor named to receive claim payments. Auto insurers generally must give 45 days’ notice before cancellation. Unpaid premiums remain an exception: auto policyholders and named property-policy creditors get at least 10 days’ notice. Auto notices must explain the nonpayment reason. Same-insurer replacements and transfers to licensed affiliates can count as renewals when basic coverage stays the same or substantially similar. Applicable disclosures and notices of less favorable terms must arrive at least 45 days before renewal. Affiliate transfers must be chosen fairly, and the receiving insurer must have equal or better financial strength. Transfer notices disclose its financial rating; insurers must notify the Mississippi Insurance Department at least 45 days before notifying policyholders.

Employers get longer workers’ compensation notice

For workers’ compensation contracts issued or renewed starting July 1, 2026, insurers generally must give 45 days’ written notice. This replaces the 30-day baseline and covers cancellation, nonrenewal, and reduced coverage. Notice must reach the employer and the Mississippi Workers’ Compensation Commission before the change takes effect. Cancellation takes effect sooner when the employer’s replacement insurance starts, even without notice. Specified replacement policies and transfers also require 45-day notice; transfers require advance notices to state regulators and disclosure of the receiving insurer’s financial rating.

Sponsors & Cosponsors

Sponsor

  • Kevin Ford

    Republican • House

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

All Roll Calls

Yes: 286 • No: 0

House vote • 3/12/2025

Concurred in Amend From Senate

Yes: 118 • No: 0

Senate vote • 3/7/2025

Passed As Amended

Yes: 48 • No: 0

House vote • 2/6/2025

Passed As Amended

Yes: 120 • No: 0

Actions Timeline

  1. Approved by Governor

    3/21/2025legislature

  2. Enrolled Bill Signed

    3/17/2025Senate

  3. Enrolled Bill Signed

    3/13/2025House

  4. Concurred in Amend From Senate

    3/12/2025House

  5. Returned For Concurrence

    3/10/2025Senate

  6. Passed As Amended

    3/7/2025Senate

  7. Amended

    3/7/2025Senate

  8. Title Suff Do Pass As Amended

    3/4/2025Senate

  9. Referred To Insurance

    2/17/2025Senate

  10. Transmitted To Senate

    2/10/2025House

  11. Passed As Amended

    2/6/2025House

  12. Amended

    2/6/2025House

  13. Committee Substitute Adopted

    2/6/2025House

  14. Title Suff Do Pass Comm Sub

    1/30/2025House

  15. Referred To Insurance

    1/20/2025House

Bill Text

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