MS HB1187

Establishes the "Mississippi Insurance E-Commerce Model Act" to allow electronic delivery of insurance documents and notices with consumer consent, effective July 1, 2022.

Requires insurers to obtain affirmative electronic consent from parties before delivering notices or documents electronically, with clear disclosure of hardware/software requirements, document types, and right to withdraw consent.

Deems electronic delivery equivalent to traditional delivery methods (first class mail, certified mail, etc.) when parties consent and insurers take measures to ensure receipt.

Allows insurers to post insurance policies and endorsements on websites without mailing if they obtain separate consent and meet conditions including five-year post-expiration access, free printing/saving capability, and one free paper copy upon request.

Provides that insurance producers are not civilly liable for harm from parties' election to receive documents electronically or from delivery failures, and authorizes the Commissioner of Insurance to adopt implementing rules.