--- title: "Professional Liability (E&O) Insurance in Mississippi" description: "Compare Mississippi real estate E&O limits, proof deadlines, and cancellation notice terms for independent policies." canonical: "https://spot.insure/coverage/professional-errors-omissions/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/professional-errors-omissions/mississippi) # Professional Liability (E&O) Insurance in Mississippi Mississippi requires active real estate licensees to obtain E&O, with an inactive-license exception and a group-policy option through the commission. For independent coverage, the commission's 2023 rule sets at least $100,000 per claim and limits the damages and defense-cost deductibles separately.[^1][^2] **Coverage:** [Professional errors and omissions (E&O)](/coverage/professional-errors-omissions) · [Mississippi](/coverage/states/mississippi) ## What Is Professional Errors And Omissions (E&O)? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [Read the national Professional errors and omissions (E&O) guide](/coverage/professional-errors-omissions). ## Mississippi Requirements | Requirement | Details | | --- | --- | | Active real estate licensee E&O | Required; group or compliant independent policy; inactive licensees excepted[^1][^2] | | Independent policy minimum | At least $100,000 per claim; damages deductible up to $2,500 and defense-cost deductible up to $1,000[^2] | ## What to Watch for in Mississippi ### Meet the New-Licensee Proof Deadline Mississippi's rule gives a new licensee 30 days after license issuance to provide proof of coverage or pay the prorated group premium; otherwise the license changes to inactive status. Put the deadline on the onboarding checklist before accepting brokerage work.[^2] ### Confirm the Independent Carrier's Notice Commitment The commission's independent-policy rule requires a non-cancelable policy or a carrier commitment to notify the commission 30 days before cancellation. Ask for that commitment with the certificate and confirm it applies to the policy you are buying.[^2] ### Compare the Two Deductibles Separately The independent-policy limits cap the per-licensee, per-claim deductible at $2,500 for damages and $1,000 for defense costs. Request both terms in writing; one deductible amount does not prove compliance with the other cap.[^2] ### Confirm the Current Commission Rule The independent-policy terms come from the commission rules compilation revised July 1, 2023, while its license-law compilation is revised August 15, 2025. Before renewal, confirm the commission has not amended Rule 9.3 since that rules edition.[^2][^1] ## 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] - [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.[^6][^7][^8][^9][^10] [Mississippi Surplus Lines Association](https://www.msla.org/) ## Providers With Documented State Licenses These providers publish a national listing for Professional errors and omissions (E&O); 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. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction.[^11] - [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.[^12] - [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.[^13] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^15] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^14] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^16] - [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.[^17] ## Questions to Ask Before You Buy in Mississippi 1. Will my certificate reach the commission by the applicable proof deadline, and who tracks the filing? 2. Does the insurer provide the commission the required 30-day cancellation commitment? 3. What are the separate per-claim deductibles for damages and defense costs? ## Professional Errors And Omissions (E&O) in Mississippi: FAQ ### Do Mississippi real estate licensees need E&O insurance? Yes. Active Mississippi real estate licensees must obtain E&O coverage; the law provides a group policy and permits independent coverage that meets commission requirements.[^1][^2] ### What is the minimum Mississippi real estate E&O limit? For independent coverage, the commission rule requires at least $100,000 per claim, with maximum deductibles of $2,500 for damages and $1,000 for defense costs per licensee and claim.[^2] ## Professional Errors And Omissions (E&O) in Other States - [Alabama](/coverage/professional-errors-omissions/alabama) - [Alaska](/coverage/professional-errors-omissions/alaska) - [Arizona](/coverage/professional-errors-omissions/arizona) - [Arkansas](/coverage/professional-errors-omissions/arkansas) - [California](/coverage/professional-errors-omissions/california) - [Colorado](/coverage/professional-errors-omissions/colorado) - [Connecticut](/coverage/professional-errors-omissions/connecticut) - [Delaware](/coverage/professional-errors-omissions/delaware) - [District of Columbia](/coverage/professional-errors-omissions/district-of-columbia) - [Florida](/coverage/professional-errors-omissions/florida) - [Georgia](/coverage/professional-errors-omissions/georgia) - [Hawaii](/coverage/professional-errors-omissions/hawaii) - [Idaho](/coverage/professional-errors-omissions/idaho) - [Illinois](/coverage/professional-errors-omissions/illinois) - [Indiana](/coverage/professional-errors-omissions/indiana) - [Iowa](/coverage/professional-errors-omissions/iowa) - [Kansas](/coverage/professional-errors-omissions/kansas) - [Kentucky](/coverage/professional-errors-omissions/kentucky) - [Louisiana](/coverage/professional-errors-omissions/louisiana) - [Maine](/coverage/professional-errors-omissions/maine) - [Maryland](/coverage/professional-errors-omissions/maryland) - [Massachusetts](/coverage/professional-errors-omissions/massachusetts) - [Michigan](/coverage/professional-errors-omissions/michigan) - [Minnesota](/coverage/professional-errors-omissions/minnesota) - [Missouri](/coverage/professional-errors-omissions/missouri) - [Montana](/coverage/professional-errors-omissions/montana) - [Nebraska](/coverage/professional-errors-omissions/nebraska) - [Nevada](/coverage/professional-errors-omissions/nevada) - [New Hampshire](/coverage/professional-errors-omissions/new-hampshire) - [New Jersey](/coverage/professional-errors-omissions/new-jersey) - [New Mexico](/coverage/professional-errors-omissions/new-mexico) - [New York](/coverage/professional-errors-omissions/new-york) - [North Carolina](/coverage/professional-errors-omissions/north-carolina) - [North Dakota](/coverage/professional-errors-omissions/north-dakota) - [Ohio](/coverage/professional-errors-omissions/ohio) - [Oklahoma](/coverage/professional-errors-omissions/oklahoma) - [Oregon](/coverage/professional-errors-omissions/oregon) - [Pennsylvania](/coverage/professional-errors-omissions/pennsylvania) - [Rhode Island](/coverage/professional-errors-omissions/rhode-island) - [South Carolina](/coverage/professional-errors-omissions/south-carolina) - [South Dakota](/coverage/professional-errors-omissions/south-dakota) - [Tennessee](/coverage/professional-errors-omissions/tennessee) - [Texas](/coverage/professional-errors-omissions/texas) - [Utah](/coverage/professional-errors-omissions/utah) - [Vermont](/coverage/professional-errors-omissions/vermont) - [Virginia](/coverage/professional-errors-omissions/virginia) - [Washington](/coverage/professional-errors-omissions/washington) - [West Virginia](/coverage/professional-errors-omissions/west-virginia) - [Wisconsin](/coverage/professional-errors-omissions/wisconsin) - [Wyoming](/coverage/professional-errors-omissions/wyoming) [Other Coverage in Mississippi](/coverage/states/mississippi) ## Sources [^1]: [Mississippi Real Estate License Law, revised August 15, 2025](https://www.mrec.ms.gov/wp-content/uploads/2025/08/MREC_LICENSE_LAW_2025_REVISED-8-15-2025.pdf) — Mississippi Real Estate Commission; Miss. Code Ann. § 73-35-16, E&O requirement, coverage options, proof, and inactive status; compilation date Aug. 15, 2025. Accessed 2026-09-28. [^2]: [Mississippi Real Estate Commission Rules and Regulations, revised July 1, 2023](https://www.mrec.ms.gov/wp-content/uploads/2023/08/MREC_RULES_AND_REGULATIONS_REV_07-01-2023.pdf) — Mississippi Real Estate Commission; Part 1601, Chapter 9, Rules 9.1–9.3, group and independent coverage; compilation date July 1, 2023. Accessed 2026-09-28. [^3]: [Mississippi Insurance Department](https://www.mid.ms.gov/) — Mississippi Insurance Department; Homepage and consumer/licensing services. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^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: 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](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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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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