Mississippi Hired and Non-Owned Auto Coverage

Mississippi’s insurance department describes a liability-insurance requirement and an insurance card carried in the vehicle; the Department of Revenue says liability insurance is not enforced through registration but that vehicles must have proof in the vehicle. For a work trip, check proof for the employee’s or rental vehicle separately from the company’s HNOA policy, whose insureds and business-use terms come from its contract.

What Is Hired and Non-Owned Auto Insurance?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Mississippi Hired and Non-Owned Auto Insurance Requirements

Requirement	Details
Insurance proof in the operated vehicle	Confirm the vehicle carries its liability insurance card, in paper or electronic form, before the work trip. ^1,²

What to Watch for With Hired and Non-Owned Auto in Mississippi

Check the vehicle’s card before each work trip
The Mississippi Department of Revenue says liability insurance is not enforced through vehicle registration and that vehicles must carry an insurance card as proof of coverage. If an employee uses a personal or rental car, check that vehicle’s proof rather than treating the business’s HNOA policy as evidence of the car’s own insurance. ^2,¹
Electronic proof does not change the policy’s insureds
Mississippi’s Insurance Department says the required card may be paper or electronic. A card shows liability insurance for the vehicle; it does not add an employee, business or work trip to the policy. Ask the HNOA broker for the actual policy’s insured-person and business-use wording. ¹
Liability proof does not pay to repair the car
The Insurance Department describes liability coverage as paying for damage to other people and their property and says other coverage is needed for the driver’s medical bills or vehicle repairs. If employees rent cars for work, ask separately what contract handles damage to the rented vehicle; HNOA liability is not that protection. ¹
Registration does not confirm the trip’s insurance proof
Mississippi’s Department of Revenue says the state’s liability-insurance requirement is not enforced through vehicle registration. Build vehicle-proof checks into the company’s work-trip process, especially when employees use their own cars or rentals. ²

Providers With Mississippi License Records

These providers publish a national listing for Hired and non-owned auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Mississippi. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹³
Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.

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 Hired and Non-Owned Auto in Mississippi

Who provides the liability policy and proof card for each vehicle employees operate in Mississippi?
Does the employee’s vehicle carry paper or electronic proof before the work trip?
Does the HNOA policy cover the company’s legal liability arising from the work trip, and are employees insured too?
What separate contract handles damage to an employee-owned or rented vehicle?

Hired and Non-Owned Auto Insurance in Mississippi: FAQ

Can an HNOA policy card replace proof for the employee’s car?

The Department of Revenue says vehicles must carry an insurance card as proof of liability coverage. Review the actual card and vehicle policy; do not assume the employer’s HNOA policy supplies the employee’s vehicle-level proof. ²

Can a Mississippi insurance card be electronic?

The Mississippi Insurance Department says a liability insurance card may be in paper or electronic format. The format does not change whose liability or which work use the underlying policy covers. ¹

Sources for Hired and Non-Owned Auto Insurance in Mississippi

1
Auto Insurance. Mississippi Insurance Department; What the Law Requires and Liability sections; current consumer guidance accessed 2026-09-28. Accessed 2026-09-28.
2
Motor Vehicle Frequently Asked Questions. Mississippi Department of Revenue; Liability insurance requirement; current page accessed 2026-09-28. Accessed 2026-09-28.
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.

Mississippi Hired and Non-Owned Auto Coverage

What Is Hired and Non-Owned Auto Insurance?

Mississippi Hired and Non-Owned Auto Insurance Requirements

What to Watch for With Hired and Non-Owned Auto in Mississippi

Check the vehicle’s card before each work trip

Electronic proof does not change the policy’s insureds

Liability proof does not pay to repair the car

Registration does not confirm the trip’s insurance proof