Insurance License Hub

The Mississippi Surplus Lines Insurance Producer license

Surplus Lines Insurance Producer

Places Mississippi business with insurers the state has not admitted. A resident cannot reach it without the property and casualty producer license underneath it and at least one appointment with an admitted property and casualty insurer, and a nonresident who holds the equivalent at home needs neither.

Course

None

This license has no pre-licensing course route.

Ways in

2

None of them requires a state exam, because this license has none.

Exam

n/a

Not required on any of the routes below.

Every way to qualify

More than one route leads to this license, and which one you take changes what you study and whether you sit the exam. There is no pre-licensing course among them: this license is qualified for by a license already held or a license held in another state.

  1. Route 1 Hold the property and casualty producer license and an appointment

    No state exam for this license

    Producer license

    • a Mississippi insurance producer license carrying both the Property and the Casualty lines of authority

    and appointment

    • At least one certificate of authority or appointment in Mississippi with a property and casualty insurance company admitted to do business in the state.

    Steps 4 and 5 of the Department's instruction sheet. No examination of its own and no pre-licensing hours of its own: the qualification is the underlying producer license, which carries both. Privilege tax $100, renewal $100, expiring biennially on the last day of the producer's birth month. The Department's renewal note repeats the same two conditions at every renewal, so the appointment has to be kept alive as well as taken. Registration with the Mississippi Surplus Lines Association is a separate form the Department links beside the application.

    Read at the Department on 2026-08-20

  2. Route 2 Hold a surplus lines license in your home state

    No state exam for this license

    • a surplus lines insurance producer license in the applicant's home state

    Steps 6, 7 and 8. A nonresident may be licensed on the reciprocal agreement between Mississippi and the home state, with status verified through the NAIC producer database, and is then "not required to hold a Mississippi Insurance Producer license with property and casualty lines of authority and one MS P&C appointment". The exception has a limit written into it: a nonresident whose home state does not license surplus lines producers at all must meet the resident conditions instead.

    Read at the Department on 2026-08-20

Mississippi gives no surplus lines examination and asks for no surplus lines hours; the qualification is the property and casualty producer license, which has its own course list. No national seller prices a Mississippi surplus lines product.