MS SB2815

Requires transportation network companies (ride-hailing services) to obtain a $5,000 annual license from the Mississippi Department of Insurance to operate in the state.

Mandates that drivers maintain primary automobile insurance coverage of at least $50,000/$100,000/$25,000 while logged into the platform, and $1,000,000 combined single limit while actively transporting passengers.

Establishes that drivers are independent contractors rather than employees if certain conditions are met, including no prescribed hours, no restrictions on using competing platforms, and written agreement with the company.

Requires ride-hailing companies to conduct criminal background checks and driving history reviews on drivers, and prohibits individuals with major traffic violations, felonies within seven years, sex offender status, or under age 19 from driving.

Restricts local governments from imposing taxes, licenses, or operational requirements on transportation network companies and drivers, reserving regulation exclusively to the state Department of Insurance.