What Kidnap and Ransom Insurance Requirements Apply in Mississippi?

Mississippi removed the admitted-market availability and diligent-search condition for surplus-lines placement effective July 1, 2017. A K&R policy still must identify the producer and carry the state stamp warning that the Mississippi Insurance Guaranty Association will not pay claims if the nonadmitted insurer becomes insolvent.

What Is Kidnap and Ransom Insurance?

Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. Read the national Kidnap and ransom guide.

What to Watch for With Kidnap and Ransom in Mississippi

Do Not Treat the Old Search Form as Current Law
House Bill 447 removed the admitted-market availability and diligent-search condition from §83-21-19 effective July 1, 2017, and MID Bulletin 2017-3 confirms producers no longer had to search admitted markets before placement. MID’s current bulletin index marks Bulletin 2012-4 withdrawn; a still-posted ENAF form does not restore the repealed search requirement for a business K&R placement. ^1,^2,³
Check the Required Guaranty-Fund Stamp
Mississippi §83-21-19 requires a surplus-lines contract to carry a bold 10-point stamp naming the producer and stating that the policy is not protected by the Mississippi Insurance Guaranty Association if the insurer becomes insolvent. Check the issued K&R policy for that stamp; the 2017 amendment limits the separate informational notice under §83-21-23 to personal-lines policies. ^1,²
Verify the Carrier and the K&R Grant
The 2017 change removed the admitted-market search condition, but §83-21-19 still requires an eligible surplus-lines insurer authorized to write the line in its domiciliary jurisdiction and compliance with other law. Ask the producer to identify the carrier and compare the actual policy’s covered people, territories, extortion triggers, response costs, and exclusions; no Mississippi K&R benefit is established by the placement statute. ¹

Which Kidnap and Ransom Providers Have Mississippi License Records?

These providers publish a national listing for Kidnap and ransom; 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. ¹⁴
Corgi lists kidnap and ransom among its specialized business-insurance offerings.

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. ^4,^5,⁶

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. ^7,^8,^9,^10,¹¹

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 Kidnap and Ransom in Mississippi

Which eligible nonadmitted insurer is on the quote, and is it authorized to write this line in its domiciliary jurisdiction?
Will the issued contract carry Mississippi’s producer-name and no-guaranty-association stamp?
Is anyone asking us to sign an ENAF or certify a diligent search, and what current Mississippi law makes that paperwork applicable to this commercial K&R placement?
Which covered people, destinations, ransom or extortion triggers, response expenses, consent conditions, and exclusions appear in the contract?

Kidnap and Ransom Insurance in Mississippi: Frequently Asked Questions

Does Mississippi require an admitted-market search before placing commercial K&R insurance?

No. Mississippi removed the availability and diligent-search condition effective July 1, 2017, although the insurer must still meet the state’s eligibility and domiciliary-authority requirements. ^1,²

Does the Mississippi Insurance Guaranty Association cover surplus-lines K&R insurance?

No. Mississippi requires the policy stamp to say that the association will not pay claims or losses if the nonadmitted insurer becomes insolvent. ¹

Sources for Kidnap and Ransom Insurance in Mississippi

1
House Bill 447, as Sent to Governor. Mississippi Legislature; Sections 1–3; amendments to Miss. Code Ann. §§83-21-19 and 83-21-23; effective July 1, 2017; deletion of availability/search condition, personal-lines informational notice, and required policy stamp. Accessed 2026-09-28.
2
Bulletin 2017-3: House Bill 447 Amendments to Surplus Lines Laws and Adoption of the Informational Notice Form. Mississippi Insurance Department; Sections II–III; confirms diligent-search removal effective July 1, 2017 and limits informational notice to personal-lines placements. Accessed 2026-09-28.
3
Bulletins. Mississippi Insurance Department; Current bulletin index; Bulletin 2012-4 is marked withdrawn; accessed 2026-09-28. Accessed 2026-09-28.
4
Mississippi Insurance Department. Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28.
5
Insurance License Lookup. Mississippi Insurance Department; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Mississippi Insurance Department; State complaint process and contact. Accessed 2026-09-28.
7
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.
8
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.
9
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.
10
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.
11
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.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
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.
14
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.
15
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.
16
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.
17
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.
18
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 Kidnap and Ransom Insurance Requirements Apply in Mississippi?

What Is Kidnap and Ransom Insurance?

What to Watch for With Kidnap and Ransom in Mississippi

Do Not Treat the Old Search Form as Current Law

Check the Required Guaranty-Fund Stamp

Verify the Carrier and the K&R Grant