Coverage line

A visitor's foot narrowly misses a toppled ceramic vessel at a shop entrance.Illustration for The General Average

What General Liability Insurance Requirements Apply in Louisiana?

For causes of action arising on or after January 1, 2026, a claimant who is at least 51% at fault ordinarily cannot recover under Civil Code art. 2323; subsection C says recovery is not reduced when an intentional tortfeasor also contributed. Delictual actions generally have a two-year prescription from when injury or damage is sustained for the period effective July 1, 2024, so the event date and claim type matter.

What Is General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. Read the national General liability guide.

What to Watch for With General Liability in Louisiana

A 51% Fault Bar Applies to New Causes of Action
Act 15 of 2025 changed the comparative-fault threshold for causes arising on or after January 1, 2026: 51% claimant fault ordinarily bars recovery. Article 2323(C) preserves unreduced recovery when fault of an intentional tortfeasor also contributed, so give the adjuster the incident date and the conduct of each party. ^1,²
The General Delictual Period Is Now Two Years
For delictual actions, art. 3493.1 sets a two-year prescription period starting when injury or damage is sustained; the change applies from July 1, 2024. Ask the broker how the policy handles reporting and defense if a demand comes well after the occurrence. ⁴
Co-Defendants Usually Owe Their Own Fault Share
For non-intentional conduct, art. 2324 makes liability joint and divisible, and a tortfeasor is not solidarily liable for damages attributable to another person’s fault. If a subcontractor or other defendant cannot pay, ask whether the insured’s own limit is sized for its potential allocation; the statute has an intentional-conspiracy exception. ³

Which General Liability Providers Have Louisiana License Records?

These providers publish a national listing for General 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 the product is available in Louisiana. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹²
Corgi lists commercial general liability among its business insurance offerings.
ERGO NEXT Insurance
Insurance producer · checked 2026-09-28
Next First Insurance Agency, Inc.
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. ¹⁴
ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
Hiscox
Insurer · checked 2026-09-28
Hiscox Insurance Company Inc.
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. ¹³
Hiscox offers general liability insurance for small businesses.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁵
TechInsurance arranges general liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁶
Vouch lists general liability among the core coverages in its technology-company programs.

Who Regulates Insurance in Louisiana?

Louisiana Department of Insurance

The Louisiana Department of Insurance licenses producers and insurers, reviews insurance filings, and investigates complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^5,^6,⁷

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-259-5300

Surplus-Lines Tax and Stamping Office in Louisiana

Reported tax rate. 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 ^8,⁹

For Louisiana-home-state policies effective on or after July 1, 2026, the state charges 4.85% of gross premium plus a 0.175% SLIP+ transaction fee, which your broker may add to your bill. Louisiana's required policy disclosure says these policies are not covered by the Louisiana Insurance Guaranty Association; state placement and filing rules still apply.

Questions to Ask Before You Buy General Liability in Louisiana

How will the adjuster decide whether the cause of action arose before or after Louisiana's January 1, 2026 fault-rule change?
What is the policy's notice deadline if a demand arrives near the two-year prescription period?
How does the policy address a claim where another defendant is insolvent and Louisiana allocates fault separately?

General Liability Insurance in Louisiana: Frequently Asked Questions

What happens if I am partly at fault for a claim in Louisiana?

For causes arising on or after January 1, 2026, claimant fault of 51% or more ordinarily bars recovery under art. 2323(A). Subsection C says the claim is not reduced when an intentional tortfeasor also contributed; earlier causes remain subject to the prior rule. ^1,²

How long does someone have to sue over a general liability loss in Louisiana?

Generally two years from the day injury or damage is sustained for delictual actions governed by art. 3493.1, effective July 1, 2024. Ask about the incident date and any claim-specific exception. ⁴

Can a Louisiana business be held liable for a co-defendant’s share?

Usually not for another person’s fault: art. 2324 limits each joint tortfeasor to its degree of fault. A person who conspires with another to commit an intentional or willful act can be liable in solido. ³

Sources

16 documents, numbered as cited. Open the sources

Sources for General Liability Insurance in Louisiana

1
Louisiana Civil Code art. 2323 — Comparative Fault. Louisiana State Legislature; Art. 2323(A), amended by Acts 2025, No. 15, effective Jan. 1, 2026. Accessed 2026-09-28.
2
Act 15 of 2025 (HB 431). Louisiana State Legislature; §§ 1–2: modified comparative fault amendment and Jan. 1, 2026 effective date. Accessed 2026-09-28.
3
Louisiana Civil Code art. 2324 — Liability as Solidary or Joint and Divisible Obligation. Louisiana State Legislature; Art. 2324(A)–(C): intentional-conspiracy exception and several allocation by degree of fault. Accessed 2026-09-28.
4
Louisiana Civil Code art. 3493.1 — Delictual Actions. Louisiana State Legislature; Art. 3493.1; Acts 2024, No. 423, effective July 1, 2024. Accessed 2026-09-28.
5
Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
6
Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
7
File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
8
Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
9
La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
10
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
11
Licenses and Carriers. 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.
12
Insurance Producer 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.
13
About Hiscox US 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.
14
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.
15
Insurance Licenses by State. 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.
16
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.

What General Liability Insurance Requirements Apply in Louisiana?

What Is General Liability Insurance?

What to Watch for With General Liability in Louisiana

A 51% Fault Bar Applies to New Causes of Action

The General Delictual Period Is Now Two Years

Co-Defendants Usually Owe Their Own Fault Share

Which General Liability Providers Have Louisiana License Records?

Corgi

ERGO NEXT Insurance

Hiscox

TechInsurance

Vouch