Department of Insurance

A. "Insurer" means those companies subject to the jurisdiction of the Department as provided inMiss. Code Ann. § 83-5-1 (Rev. 1999), and which provide personal residential property insurance coverage in the State of Mississippi. The term insurer shall include eligible non-admitte…

A. An insurer shall, after January 1, 2007, provide at the time of issuance and thereafter at each time of renewal a notice that provides a statement that said policy contains a flood and/or earthquake exclusion. The notice shall be provided to the policyholder along with the ins…

No later than January 1, 2007, each insurer shall clearly provide within the main Declarations Page(s) of each policy, or attached to the Declarations Page(s), a statement in 10-point print that informs the policyholder that the policy contains a flood and/or earthquake exclusion…

Failure of an insurer writing homeowners and/or windstorm coverage in this State to comply with a material provision of this regulation shall be considered a violation of Miss. Code Ann. § 83-5-17 and §§ 83-5-29 through 83-5-51 (Rev. 1999), but does not change the coverage select…

Nothing stated or required in this Regulation is intended to change any insurance coverage selected and paid for by the policyholder and does not in any way operate to expand coverage beyond the terms of the insurance policy. Notes 19 Miss. Code. R. 5-3.08 Miss. Code Ann.§§ 83-5-…

If any section or portion of a section of this Regulation or the application thereof is held by a court to be invalid, such invalidity shall not affect any other provision of that section or application of the Regulation which can be given effect without the invalid provision or …

The effective date of this Regulation shall be thirty (30) days after filing with the Secretary of State's Office. Notes 19 Miss. Code. R. 5-3.10 Miss. Code Ann.§ 25-43-3.113 (Rev 2010)

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These Articles shall be effective April 15, 2007. Pursuant to the authority granted in Section 71-3-111, Mississippi Code of 1972, as amended, and Regulations promulgated thereunder, I George Dale, in my capacity as Commissioner of Insurance of the State of Mississippi do hereby …

The purpose of this Regulation is to clarify and set out the basic responsibilities of insurance companies ("insurers") and insurance producers ("producers") as to the extension or restriction of property and casualty insurance commercial lines coverages by the use of a binder, c…

This Regulation is promulgated by the Commissioner of Insurance pursuant to the authority granted to him by Miss. Code Ann.33 83-5-17; 83-5-29 through 83-5-51; and 83-17-1 through 83-17-89 (Rev. 2001), as well as the provisions of Mississippi Department of Insurance Regulation No…

This Regulation shall apply to all insurers writing property and casualty commercial lines insurance policies in the State of Mississippi, and all producers selling property and casualty commercial lines insurance policies in the State of Mississippi. Notes 19 Miss. Code. R. 5-5.…

A. No insurer or producer may issue a binder, certificate of insurance, indemnity agreement or any other similar type of instrument which either affirmatively or negatively amends, extends or alters the coverage provided by its approved issued forms and endorsements. B. Each insu…

All insurers and producers shall comply with the provisions of this Regulation by October 1, 2009. Notes 19 Miss. Code. R. 5-5.05 Miss. Code Ann. §§ 83-5-1; 83-17-87 (Rev. 2011)

Failure of an insurance producer to comply with a material provision of this regulation is considered a violation of Miss. Code Ann.§ 83-17-71(1)(b)(Rev. 2001). Violation of said statute may subject the insurance producer to the suspension or revocation of the insurance producer'…

If any section or portion of a section of this Regulation or the application thereof is held by a court to be invalid, such invalidity shall not affect any other provision of that section or application of the Regulation which can be given effect without the invalid provision or …

The Effective Date of this Regulation shall be thirty (30) days from filing for final adoption with the Secretary of State. Done this the ______ th day of March, 2009. Notes 19 Miss. Code. R. 5-5.08 Miss. Code Ann. § 25-43-3-113 (Rev. 2010)

During the 2023 Regular Legislative Session, the Mississippi Legislature passed Senate Bill 2228, which creates a regulatory framework for the sale, issuance and renewals of pet insurance policies, (hereinafter "Act"). Section 5 of the Act gives the Commissioner the authority to …

If a pet insurer uses any of the terms in this Regulation in a policy of pet insurance, the pet insurer shall use the definition of each of those terms as set forth herein and include the definition of the term(s) in the policy. The pet insurer shall also make the definition avai…

A. A pet insurer transacting pet insurance shall disclose the following to consumers:(1) If the policy excludes coverage due to any of the following: (a) A preexisting condition; (b) A hereditary disorder; (c) A congenital anomaly or disorder; or (d) A chronic condition. (2) If t…

A. A pet insurer may issue policies that exclude coverage on the basis of one or more preexisting conditions with appropriate disclosure to the consumer. The pet insurer has the burden of proving that the preexisting condition exclusion applies to the condition for which a claim …

A. A pet insurer and/or producer shall not market a wellness program as pet insurance. B. If a wellness program is sold by a pet insurer and/or producer:(1) The purchase of the wellness program shall not be a requirement to the purchase of pet insurance. (2) The costs of the well…

A. In order to ensure that producers have been appropriately trained on the coverages and conditions of its pet insurance products, all insurance producers selling pet insurance policies must receive at least one (1) hour of continuing education related to the selling of pet insu…

Any violation of the provisions of the Act or this Regulation will be subject to the penalties prescribed in law, specifically Miss. Code Ann. § 83-5-17 (Rev. 2011), which provides for a fine to be issued up to Five Thousand Dollars ($5,000.00) per violation. Notes 19 Miss. Code.…

This Regulation shall be in effect on and after January 1, 2024. Notes 19 Miss. Code. R. 5-6.08 Miss. Code Ann. § 25-61-5; § 83-5-1 (Rev. 2022); Senate Bill 2228, 2023 Regular Legislative Session Adopted 1/1/2024

The Mississippi Comprehensive Hurricane Damage Mitigation Program is housed within the Mississippi Insurance Department (MID). The Strengthen Mississippi Homes (SMH) program is a part of the Mississippi Comprehensive Hurricane Damage Mitigation Program and is established to issue…

The purpose of this chapter is to set forth rules and requirements the Commissioner of Insurance deems necessary to carry out the provisions of Miss. Code Ann. § 83-1-191. This Regulation shall apply to all aspects of the SMH program. Notes 19 Miss. Code. R. 5-7.02 Miss. Code Ann…

1. Strengthen Mississippi Homes (SMH) -a program established pursuant to Miss. Code Ann. § 83-1-191, and for which funding was made available by House Bill 1705, 2024 Mississippi Legislature Regular Session, as part of the Comprehensive Hurricane Damage Mitigation Program, admini…

1. Eligibility. To be eligible for an SMH grant, an applicant must meet the following requirements: a. Homeowner must claim its primary residence in a county where grants are being made available. b. The home that is the subject of the grant must be an owner occupied, single-fami…

1. In the counties the SMH program is made available, grant applications will be awarded through a lottery process. 2. The Commissioner of Insurance may establish projects as needed to establish a sustainable distribution system of the SMH program grants in the geographic area wi…

1. Applicants shall report any funds received or anticipated from insurance, disaster relief, or other sources to ensure that the grant only covers actual costs. 2. Insurers shall not reduce settlement payments based on the payment of an SMH grant. Notes 19 Miss. Code. R. 5-7.06 …

To be eligible to work on the SMH program as a Contractor, the Contractor must meet all of the following program requirements and must maintain a current copy of all certificates, licenses, and proof of insurance coverages with the program office: 1. The Contractor must hold a va…

1. Contractors may not have a financial interest in any project for which they perform work toward a FORTIFIED designation other than for payment on behalf of the homeowner by the SMH program for work performed. 2. Contractors cannot be the Evaluator for a FORTIFIED designation o…

To be eligible to work on the SMH program as an Evaluator, the Evaluator must meet all program eligibility requirements, must submit and maintain a copy of all current certificates and licenses, and comply with the following: 1. The certification as a FORTIFIED Home Evaluator for…

1. Evaluators may not have a financial interest in any project for which they inspect for designation purposes for the SMH program (SMH). 2. Evaluators cannot be a contractor or supplier of any materials and/or products or systems installed in any home that they inspection for de…

Once a Grant Round is opened, grant applications may be submitted online at the following link: www.mid.ms.gov. Contractor eligibility submissions may be submitted online at the following link: www.mid.ms.gov. Evaluator eligibility submissions may be submitted online at the follo…

The MID will issue a Bulletin at the time of each Grant Round advising applicants of the submission rules, timeframes, criteria, and geographical area subject to the round. Once a Bulletin is issued, a copy will be uploaded to the Strengthen Mississippi Homes webpage at www.mid.m…

If any rule or portion of a rule or its applicability to any person or circumstance is held invalid by any court, the remainder of this chapter or the applicability of the provision to other persons or circumstances shall not be affected. Notes 19 Miss. Code. R. 5-7.13 Miss. Code…

This chapter shall become in effect and apply to grant applications on and after January 1, 2025. Notes 19 Miss. Code. R. 5-7.14 Miss. Code Ann. § 25-43-1.106 (Rev. 2018) Adopted 1/1/2025

Notice is hereby given that any fire and casualty agent licensed by the Mississippi Department of Insurance shall be subject to hearing for revocation of license upon proper showing that such agent has (1) collected monies from an insured in excess of the filed rate of the compan…

WHEREAS, it has come to the attention of the Department that certain incorporated agencies have stockholders who are not licensed insurance agents or solicitors; and WHEREAS, the insurance laws of this State, including but not limited to Section 5674, 5710 and 5711 of the Miss. C…

WHEREAS, it has been shown that need and justification do exist for modification of the captioned Orders in the instance of the so-called "debit system", in order to insure an uninterrupted service to the policyholders by the collection of weekly and monthly premiums on industria…

WHEREAS, Section 83-17-1, Mississippi Code of 1972, provides that every person who solicits insurance on behalf of any insurance company or who takes or transmits, other than for himself an application for insurance, or a policy of insurance or who advertises or otherwise gives n…

These rules and regulations are promulgated by the Commissioner of Insurance of the State of Mississippi to implement Sections 83-5-1, 83-17-107, 83-17-109, 83-17-129 and 83-19-31(A)(5), Mississippi Code of 1972, as amended, and are being adopted pursuant to the authority granted…

The purposes of these rules and regulations are to establish pre-license requirements for applicants applying for a permanent privilege license to offer for sale and the selling of industrial life, accident and health insurance contracts within this State and to improve the compe…

These rules and regulations shall apply to all resident and non-resident individuals who apply for a permanent agent's privilege license to engage in the sale of industrial life, health and accident insurance. Notes 19 Miss. Code. R. 6-5.03 Miss. Code Ann. § 83-17-53 (Rev. 2011)…

A prospective licensee for a permanent industrial life, health and accident license must meet the following pre-license requirements before an application for an examination can be submitted to the Home Service Life Insurers Council. A permanent Industrial Life, Health and Accide…