--- title: "Media Liability in Mississippi" description: "Mississippi pairs a one-year libel filing period with a pre-suit notice and correction statute limited to specified newspapers and broadcasters." canonical: "https://spot.insure/coverage/media/mississippi" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/media/mississippi) # Media Liability in Mississippi If your work appears in a Mississippi newspaper or radio or television broadcast, identify the publication type before relying on a correction rule: the statute names those formats, requires specific written notice at least ten days before suit, and excludes some election-period and opinion content.[^1][^2][^3] **Coverage:** [Media liability](/coverage/media) · [Mississippi](/coverage/states/mississippi) ## What Is Media Liability? Media liability can help pay defense costs for claims about content you create or distribute, such as allegations of defamation or infringement. Consider it if you publish or produce content for your business or clients; match the quote to each activity. [Read the national Media liability guide](/coverage/media). ## What to Watch for in Mississippi ### A one-year limit applies to listed libel claims Mississippi Code § 15-1-35 lists libel among actions to commence within one year after accrual. Preserve each publication date and any later separate publication; the statute does not specify a media-policy reporting deadline.[^1] ### The pre-suit notice rule names particular outlets Section 95-1-5 applies to libel published by a newspaper domiciled and published in Mississippi or authorized to do business there, and to actions against a radio or television station domiciled in the state. At least ten days before suit, written notice at the defendant’s regular business place must identify the article, broadcast, or telecast and the specific statements alleged false and defamatory.[^2] ### The correction provision has express exceptions For qualifying claims, a full and fair correction, apology, and retraction within ten days can limit recovery to actual damages only if the publication was in good faith, the falsehood came from an honest factual mistake, and reasonable grounds supported the statement. The statute excludes certain election-window candidate publications, editorials, and regularly published opinion columns.[^2] ## 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.[^5][^6][^7] - [Regulator website](https://www.mid.ms.gov/) - [License lookup](https://www.mid.ms.gov/mississippi-insurance-department/licensing-search/) - [File a complaint](https://www.mid.ms.gov/mississippi-insurance-department/consumers/file-a-complaint/) - Phone: 800-562-2957 ### Surplus-Lines Tax and Stamping Office **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. 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.[^8][^9][^10][^11][^12] [Mississippi Surplus Lines Association](https://www.msla.org/) ## Providers With Documented State Licenses These providers publish a national listing for Media liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Mississippi; [check the regulator’s license lookup](https://www.mid.ms.gov/mississippi-insurance-department/licensing-search/) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^14] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^15] ## Questions to Ask Before You Buy in Mississippi 1. Which policy definition of a claim applies to a written demand, subpoena, or suit? 2. Who selects counsel, and do defense expenses reduce the media limit? 3. Which content activities, formats, platforms, and client work are scheduled or excluded? ## Media Liability in Mississippi: FAQ ### Does Mississippi’s ten-day notice rule cover every business blog and social post? The text names newspapers with a Mississippi connection and radio or television stations domiciled in the state. It does not identify every online format; get advice before assuming the procedure applies or does not apply.[^2] ### Does a correction automatically eliminate damages in Mississippi? No. The statutory limit depends on its good-faith, honest-mistake, reasonable-grounds, timely-correction, and format conditions, and the section has election and opinion exceptions.[^2] ### Where can I check the Mississippi Code text? The Mississippi Legislature points users to the Mississippi Code, and the Secretary of State identifies LexisNexis as the official publisher. Confirm the current section text and any later session changes before acting on a correction demand.[^3][^4] ## Media Liability in Other States - [Alabama](/coverage/media/alabama) - [Alaska](/coverage/media/alaska) - [Arizona](/coverage/media/arizona) - [Arkansas](/coverage/media/arkansas) - [California](/coverage/media/california) - [Colorado](/coverage/media/colorado) - [Connecticut](/coverage/media/connecticut) - [Delaware](/coverage/media/delaware) - [District of Columbia](/coverage/media/district-of-columbia) - [Florida](/coverage/media/florida) - [Georgia](/coverage/media/georgia) - [Hawaii](/coverage/media/hawaii) - [Idaho](/coverage/media/idaho) - [Illinois](/coverage/media/illinois) - [Indiana](/coverage/media/indiana) - [Iowa](/coverage/media/iowa) - [Kansas](/coverage/media/kansas) - [Kentucky](/coverage/media/kentucky) - [Louisiana](/coverage/media/louisiana) - [Maine](/coverage/media/maine) - [Maryland](/coverage/media/maryland) - [Massachusetts](/coverage/media/massachusetts) - [Michigan](/coverage/media/michigan) - [Minnesota](/coverage/media/minnesota) - [Missouri](/coverage/media/missouri) - [Montana](/coverage/media/montana) - [Nebraska](/coverage/media/nebraska) - [Nevada](/coverage/media/nevada) - [New Hampshire](/coverage/media/new-hampshire) - [New Jersey](/coverage/media/new-jersey) - [New Mexico](/coverage/media/new-mexico) - [New York](/coverage/media/new-york) - [North Carolina](/coverage/media/north-carolina) - [North Dakota](/coverage/media/north-dakota) - [Ohio](/coverage/media/ohio) - [Oklahoma](/coverage/media/oklahoma) - [Oregon](/coverage/media/oregon) - [Pennsylvania](/coverage/media/pennsylvania) - [Rhode Island](/coverage/media/rhode-island) - [South Carolina](/coverage/media/south-carolina) - [South Dakota](/coverage/media/south-dakota) - [Tennessee](/coverage/media/tennessee) - [Texas](/coverage/media/texas) - [Utah](/coverage/media/utah) - [Vermont](/coverage/media/vermont) - [Virginia](/coverage/media/virginia) - [Washington](/coverage/media/washington) - [West Virginia](/coverage/media/west-virginia) - [Wisconsin](/coverage/media/wisconsin) - [Wyoming](/coverage/media/wyoming) [Other Coverage in Mississippi](/coverage/states/mississippi) ## Sources [^1]: [Mississippi Code § 15-1-35, 2025 edition](https://law.justia.com/codes/mississippi/title-15/chapter-1/section-15-1-35/) — Official Mississippi Code text published by LexisNexis; reproduction consulted at Justia; Actions for listed torts including libel; one year after accrual; 2025 text. Accessed 2026-09-28. [^2]: [Mississippi Code § 95-1-5, 2025 edition](https://law.justia.com/codes/mississippi/title-95/chapter-1/section-95-1-5/) — Official Mississippi Code text published by LexisNexis; reproduction consulted at Justia; 2025 Mississippi Code, subsections (1)–(3): covered newspapers and broadcasters, ten-day specific pre-suit notice, correction conditions, election and opinion exceptions. Accessed 2026-09-28. [^3]: [Mississippi Code 1972 publication information](https://www.sos.ms.gov/publications-external-affairs/mississippi-law) — Mississippi Secretary of State; Confirms searchable unannotated code is supplied by LexisNexis, the official publisher; accessed 2026-09-28. Accessed 2026-09-28. [^4]: [Mississippi Legislature official website](https://www.legislature.ms.gov/) — Mississippi Legislature; Official site points readers to the Mississippi Code search; Secretary of State identifies LexisNexis as official publisher. Accessed 2026-09-28. [^5]: [Mississippi Insurance Department](https://www.mid.ms.gov/) — Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28. [^6]: [Insurance License Lookup](https://www.mid.ms.gov/mississippi-insurance-department/licensing-search/) — Mississippi Insurance Department; State-designated producer/company search. Accessed 2026-09-28. [^7]: [File an Insurance Complaint](https://www.mid.ms.gov/mississippi-insurance-department/consumers/file-a-complaint/) — Mississippi Insurance Department; State complaint process and contact. Accessed 2026-09-28. [^8]: [E-Pay Frequently Asked Questions](https://www.msla.org/e-pay) — 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. [^9]: [E-Pay Frequently Asked Questions](https://www.msla.org/e-pay) — 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. [^10]: [Insurer FAQs](https://msla.org/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. [^11]: [Mississippi Department of Insurance Bulletin 2017-3](https://www.mid.ms.gov/legal/bulletins/20173bul.pdf) — 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. [^12]: [Mississippi Department of Insurance Bulletin 2017-3](https://www.mid.ms.gov/legal/bulletins/20173bul.pdf) — 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. [^13]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^14]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^15]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^16]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^17]: [Licenses](https://www.nextinsurance.com/insurance-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. [^18]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^19]: [Licenses](https://www.vouch.us/legal/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. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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