--- title: "Product Liability in Mississippi" description: "Mississippi requires proof that a product had a specified defect when it left the defendant's control, was unreasonably dangerous, and caused the claimed damage." canonical: "https://spot.insure/coverage/product-liability/mississippi" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/product-liability/mississippi) # Product Liability in Mississippi Mississippi requires proof that a product had a specified defect when it left the defendant's control, was unreasonably dangerous, and caused the claimed damage. A nonmanufacturer seller may face liability when it controlled the defect-related product aspect, changed the product, or knew or should have known of the defect.[^1][^3] **Coverage:** [Product liability](/coverage/product-liability) · [Mississippi](/coverage/states/mississippi) ## What Is Product Liability? Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. [Read the national Product liability guide](/coverage/product-liability). ## What to Watch for in Mississippi ### Document the product’s condition when supplied Section 11-1-63 asks whether a defect existed when the product left the manufacturer, designer, or seller’s control and whether it caused the harm. Keep dated inspection, assembly, storage, labeling, and alteration records so your broker and counsel can reconstruct the product’s condition at each transfer.[^1][^3] ### Escalate seller claims promptly Mississippi’s statute limits nonmanufacturer seller liability but preserves exposure tied to substantial control, post-sale alteration, or actual or constructive knowledge. It also makes prompt notice to the manufacturer within 90 days of service relevant to the statutory protection. Identify the manufacturer and send suit papers to counsel and the insurer immediately.[^1][^2] ### Check warnings and express product statements Mississippi treats warnings, instructions, design, manufacturing deviation, and express factual representations as distinct defect theories. Save the exact packaging, instructions, ads, and sales representations for the product version involved; later versions may not show what the claimant received.[^3] ## 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] - [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.[^7][^8][^9][^10][^11] [Mississippi Surplus Lines Association](https://www.msla.org/) ## Providers With Documented State Licenses These providers publish a national listing for Product 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. - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^18] **Coverage membership:** Vouch lists product liability among the core coverages in its technology-company programs. ## Questions to Ask Before You Buy in Mississippi 1. Which entities design, import, manufacture, label, distribute, install, or sell our products in Mississippi? 2. What product dates, warnings, warranties, and change records should we preserve for claims in Mississippi? 3. How do the policy’s product wording, reporting terms, and defense provisions apply when a claim involves several product-chain businesses? ## Product Liability in Mississippi: FAQ ### When can a Mississippi seller face product liability? Section 11-1-63 allows seller liability in defined circumstances, including substantial control over the defect-related aspect, alteration or modification that substantially contributed to harm, or actual or constructive knowledge of the defect when supplying the product.[^1][^3] ### When can Mississippi require a manufacturer to indemnify a product seller? Section 11-1-63(g) provides manufacturer indemnity for litigation costs, reasonable expenses and fees, and damages unless specified seller conduct caused the loss; the seller must give prompt notice within 90 days after service.[^1][^2][^3] ## Product Liability in Other States - [Alabama](/coverage/product-liability/alabama) - [Alaska](/coverage/product-liability/alaska) - [Arizona](/coverage/product-liability/arizona) - [Arkansas](/coverage/product-liability/arkansas) - [California](/coverage/product-liability/california) - [Colorado](/coverage/product-liability/colorado) - [Connecticut](/coverage/product-liability/connecticut) - [Delaware](/coverage/product-liability/delaware) - [District of Columbia](/coverage/product-liability/district-of-columbia) - [Florida](/coverage/product-liability/florida) - [Georgia](/coverage/product-liability/georgia) - [Hawaii](/coverage/product-liability/hawaii) - [Idaho](/coverage/product-liability/idaho) - [Illinois](/coverage/product-liability/illinois) - [Indiana](/coverage/product-liability/indiana) - [Iowa](/coverage/product-liability/iowa) - [Kansas](/coverage/product-liability/kansas) - [Kentucky](/coverage/product-liability/kentucky) - [Louisiana](/coverage/product-liability/louisiana) - [Maine](/coverage/product-liability/maine) - [Maryland](/coverage/product-liability/maryland) - [Massachusetts](/coverage/product-liability/massachusetts) - [Michigan](/coverage/product-liability/michigan) - [Minnesota](/coverage/product-liability/minnesota) - [Missouri](/coverage/product-liability/missouri) - [Montana](/coverage/product-liability/montana) - [Nebraska](/coverage/product-liability/nebraska) - [Nevada](/coverage/product-liability/nevada) - [New Hampshire](/coverage/product-liability/new-hampshire) - [New Jersey](/coverage/product-liability/new-jersey) - [New Mexico](/coverage/product-liability/new-mexico) - [New York](/coverage/product-liability/new-york) - [North Carolina](/coverage/product-liability/north-carolina) - [North Dakota](/coverage/product-liability/north-dakota) - [Ohio](/coverage/product-liability/ohio) - [Oklahoma](/coverage/product-liability/oklahoma) - [Oregon](/coverage/product-liability/oregon) - [Pennsylvania](/coverage/product-liability/pennsylvania) - [Rhode Island](/coverage/product-liability/rhode-island) - [South Carolina](/coverage/product-liability/south-carolina) - [South Dakota](/coverage/product-liability/south-dakota) - [Tennessee](/coverage/product-liability/tennessee) - [Texas](/coverage/product-liability/texas) - [Utah](/coverage/product-liability/utah) - [Vermont](/coverage/product-liability/vermont) - [Virginia](/coverage/product-liability/virginia) - [Washington](/coverage/product-liability/washington) - [West Virginia](/coverage/product-liability/west-virginia) - [Wisconsin](/coverage/product-liability/wisconsin) - [Wyoming](/coverage/product-liability/wyoming) [Other Coverage in Mississippi](/coverage/states/mississippi) ## Sources [^1]: [Mississippi House Bill 19, Enrolled and Sent to Governor](https://billstatus.ls.state.ms.us/documents/20023E/html/HB/0001-0099/HB0019SG.htm) — Mississippi Legislature; Laws of 2002, 3rd Extraordinary Session, ch. 4, § 5, codified at Miss. Code § 11-1-63; product-defect elements and seller rule, including subsection (h).. Accessed 2026-09-29. [^2]: [Mississippi House Bill 13, Enrolled and Sent to Governor](https://billstatus.ls.state.ms.us/documents/20041E/pdf/HB/HB0013SG.pdf) — Mississippi Legislature; Laws of 2004, 1st Extraordinary Session, ch. 1, § 3, amending Miss. Code § 11-1-63, including manufacturer indemnity and 90-day notice provisions in subsection (g).. Accessed 2026-09-29. [^3]: [Mississippi House Bill 680, Enrolled and Sent to Governor](https://billstatus.ls.state.ms.us/documents/2014/html/HB/0600-0699/HB0680SG.htm) — Mississippi Legislature; Laws of 2014, ch. 383, § 1, amending Miss. Code § 11-1-63 to clarify the covered product-damages actions and statutory product-liability framework.. Accessed 2026-09-29. [^4]: [Mississippi Insurance Department](https://www.mid.ms.gov/) — Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^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: 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](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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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 2026-09-29. 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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