What Generative AI Liability Insurance Requirements Apply in Mississippi?

Mississippi Code § 97-13-47, created by 2024 SB 2577 and effective July 1, 2024, covers specified AI-created or altered images or audio disseminated within 90 days of an election, without the depicted person’s consent and with intent to injure a candidate, influence the election, or deter voting. It also authorizes injunctive relief and lists service, news, and satire exceptions. A separate 2024 amendment to § 97-5-31 includes morphed images of identifiable minors in the state’s child-exploitation definitions.

What Is Generative AI Liability Insurance?

Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. Read the national Generative AI liability guide.

What to Watch for With Generative AI Liability in Mississippi

The digitization offense has an election trigger and a 90-day period
Mississippi requires the specified election timing, lack of consent, and intent to injure a candidate, affect the election, or deter voting, as well as knowledge or reason to know the content is a digitization. The law is not a general prohibition on AI-generated statements or images. ¹
Mississippi lists exceptions and a separate injunction remedy
The law authorizes injunctive relief in defined circumstances and exempts interactive services, qualifying news and paid-broadcast contexts, satire or parody, and certain security or investigative activity. Keep the original disclosure and editorial context for review of any asserted exception. ¹
The child-exploitation provisions separately cover morphed images
Mississippi amended § 97-5-31 to define a morphed image as a visual depiction created, adapted, or modified to appear that an identifiable minor engages in sexually explicit conduct or nudity. The criminal rule applies to that narrow content category, whether or not it is part of an election. ²

Providers With Mississippi License Records

No provider in our research has both a state license record and a listing for this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Mississippi?

Mississippi Insurance Department

The Mississippi Insurance Department licenses agents and companies, enforces state insurance laws, and investigates insurance complaints. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-562-2957

Surplus-Lines Tax and Stamping Office in Mississippi

Reported tax rate. 4% premium tax and 0.25% stamping fee on gross premium and policy fees when Mississippi is the insured's home state; MSLA says do not report if Mississippi is not the home state unless 100% of premium is allocated to Mississippi. A separate 3% MWUA fee applies to gross premium and policy fees except residential flood and earthquake. ^6,^7,^8,^9,¹⁰

For policies quoted or bound on or after July 1, 2017, Mississippi no longer requires a general diligent search before surplus-lines placement. If Mississippi is the insured's home state, the published charges are 4% premium tax and a 0.25% stamping fee on gross premium and policy fees, plus a separate 3% MWUA fee except for residential flood and earthquake; Mississippi's required policy notice says a nonadmitted insurer is not protected by the Mississippi Insurance Guaranty Association if it becomes insolvent.

Mississippi Surplus Lines Association

Questions to Ask Before You Buy Generative AI Liability in Mississippi

Can your election-content controls establish distribution date, depicted-person consent, and the purpose behind dissemination?
Are allegations involving identifiable minors routed under the separate § 97-5-31 requirements?
Does coverage address injunctive proceedings and criminal defense separately from general reputation or privacy claims?

Generative AI Liability Insurance in Mississippi: FAQ

Does Mississippi’s digitization law apply to all deepfakes?

No. Section 97-13-47 is limited to its election-related timing, consent, mental-state, and purpose elements, with listed exceptions. ¹

Is an interactive platform liable under § 97-13-47 for every user post?

The act expressly excludes an interactive computer service for content provided by another person, subject to the statute’s terms. This does not determine exposure under other laws. ¹

Sources for Generative AI Liability Insurance in Mississippi

1
Mississippi Senate Bill 2577 (2024), as Sent to Governor: Wrongful Dissemination of Digitizations. Mississippi Legislature; Section 1: definitions, election-related offense, civil injunctions and exceptions; approved Apr. 30, 2024; effective July 1, 2024. Accessed 2026-09-29.
2
Mississippi House Bill 1126 (2024), as Sent to Governor: Child Sexual Exploitation Definitions. Mississippi Legislature; Amendment to Miss. Code § 97-5-31 defining morphed images and identifiable children; effective July 1, 2024. Accessed 2026-09-29.
3
Mississippi Insurance Department. Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28.
4
Insurance License Lookup. Mississippi Insurance Department; State-designated producer/company search. Accessed 2026-09-28.
5
File an Insurance Complaint. Mississippi Insurance Department; State complaint process and contact. Accessed 2026-09-28.
6
E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, question 'What are the current rates...' (lines 112–116): 0.25% stamping fee and 4% premium tax, both on gross premium and policy fees. Accessed 2026-09-28.
7
E-Pay Frequently Asked Questions. Mississippi Surplus Lines Association; Current MSLA E-Pay FAQ, lines 112–118: MWUA nonadmitted policy fee 3% on gross premium and policy fees, excluding residential flood and earthquake. Accessed 2026-09-28.
8
Insurer FAQs. Mississippi Surplus Lines Association; Current MSLA insurer FAQ, question 'What is a Home State?...' (lines 90–92): defines insured's home state under NRRA; directs no Mississippi reporting if Mississippi is not home state unless 100% of premium is allocated to Mississippi; MS-home-state written premium is reported. Accessed 2026-09-28.
9
Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: HB 447 removed the diligent-search requirement; on/after July 1, 2017 producers need not conduct a diligent search before placement and bulletin applies to policies quoted/bound on/after that date. Page 2, visually verified: required policy notice states policy is not protected by MIGA upon insurer insolvency; page 2 also withdraws Bulletins 2012-4 and 2015-5. Accessed 2026-09-28.
10
Mississippi Department of Insurance Bulletin 2017-3. Mississippi Insurance Department; Issued May 12, 2017; page 1, visually verified: after HB 447, no general diligent search is required for policies quoted or bound on/after July 1, 2017; not an ECP-only exception. Accessed 2026-09-28.
11
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
12
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
13
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
14
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
15
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
16
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
17
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Generative AI Liability Insurance Requirements Apply in Mississippi?

What Is Generative AI Liability Insurance?

What to Watch for With Generative AI Liability in Mississippi

The digitization offense has an election trigger and a 90-day period

Mississippi lists exceptions and a separate injunction remedy

The child-exploitation provisions separately cover morphed images